The thing is, Lao Zhang just graduated ten years ago, belonging to that kind of workplace, with a low sense of existence and little money. One day ten years ago, the staff of China Merchants Bank went to their company to promote credit cards. As a card-blind Lao Zhang, like other people in the company, he got a black youth card. Just eat, drink and be merry at ordinary times. In the past ten years, the credit limit of his card has risen twice and finally stopped at 8000 yuan.

A few days ago, Lao Zhang said to me, "Hey, Kaka, I got the classic white! Let's go out for dinner today! "

Me: "Oh, I'll get it. I'll get it. Why are you so excited? " Classic white is not good? " brbr

Lao Zhang: "You fart! It took me almost ten years to get a classic white man with my black youth card. You told me it was easy to get? "

Me: "But ... it's just easy to get!" " "

To say why Lao Zhang used the black youth card for ten years, the reason is actually very simple, that is, Lao Zhang is nervous and overdue for many times, which led to this card entering the small black room of China Merchants Bank.

But even if it was overdue, Lao Zhang got the standard white unicorn of CCB with his growing "qualification" and a little luck bonus, with a quota of 50,000-60,000.

Lao Zhang told me that 8000 yuan is too little, and it won't go up anyway. Obviously used the most times, but I just can't get on. At that time, I told Lao Zhang that you might be able to pass the classics.

Don't say that Lao Zhang is a real person, just bite the bullet and hand in all your work certificates, running water and other materials that can prove yourself. In less than a week, the classic got stuck! The quota is60,000!

Come on, let's see why Lao Zhang's black young card has been unable to get a quota. Let's sum up:

First of all, Lao Zhang is nervous and has been overdue for many times. Regardless of other reasons, just overdue is enough to let Lao Zhang enter the little black room.

Second, the total credit line is too high. With the continuous improvement of the house, car and qualification, Lao Zhang got the white unicorn of CCB Standard Lily Bank of Communications, all of which are 50,000 to 60,000, that is, more than 100,000, not counting Lao Zhang's other cards.

There are many points after the third point. In fact, the key reason why Lao Zhang entered the little black room is the above two points. But you ask Kaka, avoid these two points and don't go into the dark room.

Alas, you are still too young. Overdue and high total credit limit are just two of them. The conditions for entering the small black room include but are not limited to: overdue, TX, excessive total credit line, frequent change of the cardholder's phone number and address, and abnormal transaction.

Focus on the above, test!

If you ask Kaka, "What's the harm in going into a dark room?" In fact, there are two points: "You can't raise the amount in one to two years, and you can't raise the amount temporarily. It's that simple! "

In fact, the little black house is only the lowest mechanism of the little black house, as well as Daiguo Valley and Lenggong. ...

Daiguo Valley, what do you mean, it has exceeded the limit of the little black house! Except for the little black house, you can't raise the amount for about one or two years, and you can't raise the amount temporarily. Daikokuya can't accept cash installment and bill installment yet.

What about the cold palace? That's even more interesting. Nothing can be done.

Then how do you judge whether you have entered the darkroom or not? According to what Kaka said above, ask yourself: Have you mentioned the quantity in one or two years? What is the quota? Can you temporarily increase the amount? If not, congratulations, you will go in.

Go into the little black room and you'll get in. Don't panic, there is a way to solve it. Don't freeze on impulse, the guy who returned the card over there! You also wait. ...

The way out of the little black house and Daiguo Valley;

The first method: the quickest way, no one, save bricks and move bricks, different banks need different bricks, for example, most of the four major banks start with 50 thousand, while commercial banks, basically 30 thousand is almost the same.

50,000 wealth management products or time deposits

General savings to buy wealth management products, three months can be released, two months is enough.

The second method: a more practical method, real consumption!

The main reason for being locked in a small black room is that cardholders have more or less abnormal card swiping behavior. They only need to swipe their cards normally, about 50 times a month, and there is no need for a quota. Only a few tablets can be used, and it will come out in three months at the longest.

The third method: the most powerful method, buy an iPhoneX in installments.

This is a method of online communication, and it is not 100% effective. If the test is invalid, then return it directly. This can be used to try a national house.

The fourth method: consumption abroad.

The amount of the card is almost used. Call the customer service to explain that you have a demand in consumption abroad and ask for the amount. Booking overseas services in your handheld application costs money to activate it. Just find a foreign friend to brush a few strokes for you.

How to get out of the palace: draw the key points, cancel the card and apply again. There is no other way.

In fact, on the other hand, you often walk by the river, where can you get wet shoes?

The fundamental reason for entering the dark room is that the credit card is not normal. The little black house of China Merchants Bank is still quite good. After all, the risk control of China Merchants Bank is still relatively normal, not to the point of metamorphosis.