1. Will the card be blocked? Is it allowed to unblock the credit card through this method, and is it suspected of cashing out large amounts? The card is blocked for the following reasons. In some cases, the repayment cannot be made after multiple overdraft transactions. It will be deemed that the Bank of Communications credit card holder has used the card carelessly; 2. The methods of unblocking include: what is the reason why the Bank of Communications blocked the card; then how to unblock the card, otherwise it will cause more serious consequences: 1. If the Bank of Communications suspects that there is a suspicion of cashing out. Cardholders can also try to coordinate a repayment plan with the bank. If the card is blocked due to unpaid debts, they can complain with the transaction slip when purchasing goods and request to open a card, and they can only pay the outstanding amount once. After the sex is paid off, I can apply for a card. But the repayment plan must ensure that it is not broken.

Extended information:

After these three situations occur, cardholders please note that your credit card may be reduced or blocked!

Type 1: Being reminded by a bank text message

It is normal to receive a bank text message when making a credit card purchase, but you still need to pay attention to whether it is a reminder text message or a warning text message. The so-called warning text message means that the bank believes that the cardholder's card consumption is risky and warns the cardholder. For example, the card issuer will remind cardholders that there are certain risks in credit card swipe transactions and hope that cardholders will use their cards in a standardized manner.

The occurrence of such text messages is probably related to the cardholder’s credit card swiping behavior.

For example, some cardholders often swipe their cards at the same POS machine, and the amount of each swipe is relatively large. What's more, the credit card is emptied every time. Such behavior can easily attract the attention of the bank, which will think that the cardholder is suspected of cashing out, and then conduct risk control on the credit card. If this continues for a long time, it is very likely to face derating and card suspension.

Second type: Restricting transactions

Sometimes, cardholders will face this problem: they used their credit cards well before, but suddenly they can no longer be used. However, the bank neither reminded me of a reduction in the limit nor a reminder to close the card. Moreover, no matter how many POS machines are replaced, they still cannot be used.

Many people will be confused about this. In fact, it is because the bank has restricted the transactions of this credit card. If this kind of problem occurs, cardholders need to pay attention. When this happens, there is also a problem with the cardholder's card swiping behavior, such as abnormal card swiping transactions.

Some people may not understand this. Let’s give a simple example: For example, if a cardholder has been consuming domestically and suddenly spends abroad, then this may be judged by the bank as Transaction abnormality. If it is because of this, it is easier to solve. The biggest fear is that cardholders behave inappropriately while using the card. For example, if you spend 180,000 yuan by credit card in a small supermarket, this is obviously abnormal behavior and can easily attract the attention of the bank.

Third type: Installment rejection

As the credit card limit increases, people will also rely on credit cards to carry out some large transactions. But when it comes time to repay the loan, many people are unable to repay it all at once, so they choose to pay it in installments. However, if the bank carries out risk control on the credit card, the cardholder may be rejected when applying for installment.

At this time, everyone should use credit cards with caution. You should pay attention to whether you often use installments or have had overdue problems in the past. Because this situation occurs, it is usually because the cardholder has been overdue, which makes the bank believe that the cardholder does not have the ability to repay, so it rejects the installment application.

When the above three situations occur in your credit card, you need to pay attention. Some cardholders may not care too much and think that they have more credit cards. If the card issuer blocks their card, they can use credit cards from other banks. In other words, some cardholders believe that after this credit card is reduced, they can cancel it and apply for a new one.