Many people know that China Merchants Bank's credit cards have "black rooms" and "Daikokuya", but in fact, all credit cards have so-called "black rooms", but China Merchants Bank's is particularly easy to distinguish.

If China Merchants Bank's credit card cannot be divided into installments, it will be in the "Daikokuya", and if it has not been extended and temporarily limited for a long time, it will be in the "little black room". Most banks, without Daikokuya, will not be restricted because staging is also a way to generate income.

it's normal for credit cards not to raise the amount, but if they don't raise the amount for a long time (more than two years), you should consider whether they have entered the "dark room" of the bank.

Generally speaking, it is easy to enter the "little black room" of the bank in the following situations

1. Receive a reminder message of the bank's standard card. (I have entered the dark room)

2. Cash installment of credit cards.

3. The card has been empty for a long time, and the debt ratio after loan management is over 7%.

4. Cash by credit card, especially for merchants who spend by credit card or have no points.

If you have entered the "little dark room", don't panic. Check what kind of situation it is first, and then use my following method to get out of the "dark room" quickly.

in the second case, you will enter the dark room for a while, but not for a long time, and you will come out when the time comes.

in the third case, it is suggested that credit cards should be selectively divided into stages, because the PBOC collects credit according to the bill amount reported by credit cards, and the repayment amount in each stage is smaller after the division, which means the debt ratio is lower.

For the fourth situation, let's take a look at the table below.

The third-party payment acquirer corresponding to the bank in the table above has no points. The announcement issued by Huishang Bank only this month will take effect on July 1.

if the holder of the above corresponding bank credit card is using a brand machine without points and has not given a credit line for a long time, he can consider changing to another brand and changing the habit and method of using the card.

after finding the reason for entering the dark room and avoiding it, let's talk about how to get out of the dark room.

the logic of going out of the dark room is simple, that is, to contribute to the bank.

option 1: by stages! As we all know, you can participate in bank activities by stages. Generally, bank activities are 5-9% off, which can be divided into three or six stages. If the stage is too long, one is the high cost, and the other is that some banks will question the repayment ability, but after attracting investment and expanding into Daikokuya, they can't be divided into stages, so the following measures are needed.

option 2: cash withdrawal! Many people will ignore this, but it's really a good way to break into a dark room. You don't have to take too much for cash withdrawal, just 2 (PS: most older ATM machines take 2 at most). You can just take the first-phase bill two or three times according to the situation. You don't have to wait until the bill comes out after you take it out, and the bill is returned in advance.

option 3: buy the goods in the staging mall! Don't think it's more expensive to buy goods in installment malls. Some popular digital products just came out soon. With its brand channels, bank installment malls are often in stock, and they are interest-free, so it won't be more expensive, but please buy them on demand. Just buy some goods according to your current needs, and the difference is not big.

in addition to the above methods, you can also contribute by purchasing the wealth management products of the bank, but this is not cost-effective for most cardholders who have already entered the dark room, so you can decide according to your own situation.

With the above method, you can go out of the dark room after two or three installments of bills. I know that Daikokuya, which attracts investment, will go out in the fastest half month.

after going out of the dark room, pay attention to using the card, and you can withdraw the amount after 3-6 bills.