1. What to do if your credit card is forced to be canceled by the bank

1. Don’t overdue, repay on time

As long as the bank finds out that If a loan from another bank or online is overdue, the credit limit will be immediately reduced and the card will be blocked, so your credit report must be maintained. If you really can't help it, you can put down your dignity and ask your family or friends to help you.

2. Increase the number of credit card swipes

After paying off your credit card bill every month, do not use up your credit limit two or three times. Doing so can easily be considered by the bank as cashing out and reduce your credit limit. Closing the card is not far away. Therefore, try to increase the number of card swipes as much as possible.

3. Pay attention to the credit limit in each period.

Don’t max out your credit limit in every period. Try to use 60-70% of the credit limit. If you max out your credit limit in every period, Of course, the bank will feel that there is a problem with the economy. Isn’t the purpose of reducing the limit and blocking the card to prevent risks?

4. Diversified credit card swiping

For many new card holders, It is actually very important that diversified consumption can fully prove that you are using your credit card normally.

5. Pay attention to the POS machine platform and merchants

(1) Do not use your own POS machine to swipe your own card

Usually some people will say that you The POS machine you use can swipe your own card. This is because the deposit card and the credit card bound to the POS machine must not be from the same bank. Otherwise, it will be announcing to the bank that you are cashing out.

(2) Do not frequently spend at POS machines without points

In order to save trouble, many cardholders do not use bank loans and often use credit cards as business payment tools and conduct large-value transactions. . There are no points for these purchases, and in the long run, they will easily be risk controlled by the bank.

6. Do not use other people’s accounts for repayment or find repayment software.

There are various repayment software on the market, constantly switching between credit card quick payment and debit card repayment. Teng Teng. To pay off a bill, you have to pay it back at least 10-20 times, which is completely inconsistent with a person's consumption and repayment logic.

2. What are the reasons for forced cancellation of credit cards

1. Frequent overdue payments, long-term non-payment of debts, malicious overdrafts

2. Abnormal consumption of credit cards , suspected of cashing out

3. The credit card has been empty for a long time

4. The credit card has not been used for a long time

6. The card has been blocked due to the card application process

< p> After figuring out the corresponding reasons for forced card cancellation, try to avoid similar situations. If it is caused by overdue payment, then actively pay off the overdue debt. If it is caused by infrequent use, then more Ensure the activity of your credit card. In short, there are many cases of forced card cancellation. Only by clarifying the corresponding reasons can you better avoid the risk of card cancellation.