First of all, you must insist that you are consuming normally, and then negotiate with the bank many times. If the bank superiors cannot solve the problem, then go to the China Banking and Insurance Regulatory Commission.

I believe many friends have encountered this problem. What should I do if my credit card is suddenly reduced and blocked? Today I will talk to you about how to restore the credit card limit?

Derating and blocking cards has led to the problem of insufficient capital turnover. I believe everyone has experienced this deeply during this epidemic. This has also led to many intermediaries making a lot of money using this business, and the fees are not low. So, what kind of operation process is it, I can tell you in detail here:

First, when you receive the information notification, your credit card has been reduced. First, call the bank customer service to inquire about the reason for the reduction or card suspension. Here we have compiled the customer service numbers of each bank or the corresponding credit cards, which can also be found in the app. Common reasons include using irregular POS machines for cashing out, credit cards that are overdue, large debts, long-term empty cards, etc.

Second, after determining the reason, if there is any untruth, you must explain it to the bank. First, the consumption is normal consumption. Second, the card is always used by oneself. In short, one must insist that one's consumption is normal.

Third, negotiate with the bank. If it is a worthless customer, the bank may not back down. You used to often make installments or be a valuable customer. It can be said that after restoring the quota, you will make appropriate installments, and after reducing the quota, you will not be able to use it at all. Choose a suitable reason to become a valuable customer. Installments are often bank cards.

After the installment, the bank will charge a lot of installment interest or handling fees. This is your value to the bank. At the same time, you express your loyalty to the bank. For example, I like your bank and want to establish a relationship with your bank. Long term cooperation.

Fourth, if the customer service does not deal with it, then use the friends who have already recovered as an excuse and say that others have recovered, why can't I do this? If the bank's customer service attitude is not good, another way is to use complaints to protect your rights and interests, such as complaining to the China Banking Regulatory Commission.

A gentle reminder to everyone, remember that you must have a good attitude, because the authority of customer service is also limited. If they can't solve the problem, just ask them to help handle the feedback. Guide people with courtesy, and customer service will help submit feedback if they can. In fact, I have told you before that regarding this method of reduction and recovery, the normal logic is that the limit is reduced by the bank and is controlled by the bank. So first you have to find the bank and go to the bank to give you an explanation.

At this time, you need to be able to adapt to changes, and you must also show no harm to humans and animals. The credit card has always been used normally, and there are no other problems. Maybe calling customer service once is not effective. You can call it several times. The bank customer service will definitely say that the reduction limit is due to your personal card usage habits.

At this time, you must be careless. How can I attribute my normal card usage habits to you as bad card usage habits? When I pay a merchant, I can’t ask the merchant, you Do you want to replace your POS machine with another one? Will they care about me? I trust your bank and often use your bank card to make purchases. Is it wrong?

In short, you must insist that you are spending money normally. Then if the bank recognizes that you are cashing out, you can also appeal to the China Banking Regulatory Commission. The small things should be done with emotion, and the actions should be done with reason. If you have installment To put it even better, your bank let me share the installments. I like your bank and want to establish long-term cooperation with your bank. You suddenly reduced my limit and blocked my card. This is not righteous. Basically, the first It is difficult for a first complaint to be effective. The customer service will definitely say that he cannot solve the problem, and then you have to continue to appeal.

If you can't solve it, find someone who can solve it and report it to your superior. If your superior still can't solve the problem, then you can only go to the China Banking and Insurance Regulatory Commission and call to negotiate a solution. Success. Of course, the rate is not 100%, but there are only a few methods in the current market. Don't believe that any intermediary has extraordinary abilities, or that there are any internal relationships that are even more unfavorable. What kind of black technology should they have at their disposal?

The only way he is better than you is probably that he has a few more clients, has more experience than you, or thinks more than you do, because people will think about it before doing things. , such as what to do in the first step, and how to take the second step? Moreover, when many people encounter problems, their first reaction is not to find a solution themselves, but to choose to ask or to think that this method will not work. Advertisements about money being spent and refunds in Moments are also very popular.

In fact, this type of business is essentially the same. If you have money to spend the 888 membership fee, you can also use the same method to refund it, and the refund is still very high, because many loan platforms after disbursing the money Collecting membership fees or service fees in advance is similar to beheading, which is prohibited by state order.

Credit card interest refunds and loan interest refunds are very popular. You can also draw inferences based on these examples and constantly try to appeal to the bank. After all, many people are strapped for funds during the epidemic and have begun to try various methods. The results obtained are quite good. If your credit card is blocked, you can try this method to build a credit card limit. That’s it for the content of blocking the card.