Credit report is a symbol of personal economic status, which will show the status of each credit card account we handle, so that we can know which credit cards are available, and the credit card status is divided into six types. Here we will briefly analyze the status of each account.
What are the status of personal credit card accounts?
The credit card account status displayed in the credit report can be divided into six types: normal, frozen, payment stopped, bad debt, account cancellation and inactive, and the credit card usage corresponding to each status is different.
1, normal: it means that credit cards can be used as usual without restriction, including credit cards that are not overdue, or credit cards that are not overdue and are not restricted by banks, which can be regarded as normal credit card account status.
2. Freeze: Also called card blocking, it means that the credit card is restricted from using the card. Although the account still exists, there may still be restrictions on the card, that is, you can't swipe your card or withdraw cash, usually because the card is seriously overdue or illegally used, because most of it is permanently frozen. It's best to close the account after paying off the debt.
3. Stop payment: it is also a restricted card, but the degree is lighter than freezing. The bank can automatically stop payment, or the cardholder can apply to the bank to stop payment. For example, if the credit card is lost and the cardholder applies for reporting the loss, the credit card will be in a state of stopping payment and can no longer swipe the card or withdraw cash; Or the credit card transaction is abnormal, the banking system will take emergency stop payment to ensure the safety of funds.
4. Bad debts: There are two kinds of bad debts: default and overpayment. Generally speaking, it refers to a credit card without any transaction for more than 180 days. However, if there are arrears or overpayments, the bank will treat them as bad debts. Once the letter newspaper has bad debts, if it is not handled in time, it may be impossible to handle bank credit business for a lifetime.
5. Account cancellation: refers to the cancellation of the credit card that has been processed, and no new record will be generated. It should be reminded that if the credit card is paid off after overdue account cancellation, the overdue record will not disappear, because no new record will be generated and it will not be overwritten.
6. Inactive: that is, the credit card has not been opened, but the card issuer, card issuing time and credit card limit will still be displayed.
How to solve the abnormal credit card status
Different reasons lead to abnormal credit card status and different solutions:
First, the credit card has not been opened. Just call the customer service phone of the bank or credit card center to activate the credit card.
Second, you need to apply for a new card to report the loss of a credit card, or go to the bank counter to report the loss and cancel it, and then you can use it normally.
3. If the overdue payment of the credit card is frozen, it is necessary to return the arrears, and then call customer service to apply for cancellation of the card. If the bank agrees, it can continue to use it.
4. The card is blocked due to malicious overdraft. It is suggested to repay the loan first, and then cancel the card by customer service.
Advantages of credit card
First, you can spend without deposit overdraft, enjoy an interest-free period of 25-56 days, and repay interest-free on time.
Second, swiping a card when shopping is not only safe, hygienic and convenient, but also an extra gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
Fourth, accumulate personal credit and add a credit record to your credit file to benefit you for life.
5. National access is barrier-free, and you can withdraw money or spend money on ATM and POS machines with UnionPay logo.
Six, credit card consumption, take the existing points. All kinds of discounts and lottery activities throughout the year will always surprise you with your card.
Mail the monthly statement for free, so that you can grasp every consumption expenditure transparently.
Eight, the unique supplementary card function, suitable for husband and wife to manage money together, or to master the financial expenses of their children.
Nine, one card and two currencies are freely chosen all over the world, and consumption abroad can repay in RMB.
10.400 telephone or 5-digit short number with prefix "9" provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.
1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
Twelve, the use of third-party platforms (domestic platform to support credit card bill management is mainly Jujindou) for business cooperation, to provide preferential services for cardholders.
Disadvantages of credit cards
First, blind consumption
Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.
Second, excessive consumption.
Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.
Third, the interest rate is high.
If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.
Fourth, an annual fee is required.
Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.
Five, stolen brush
Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also use passwords to apply for spending-it depends on how you manage credit cards.
Six, the impact of personal credit records
Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car with a loan from the bank in the future-but if you don't want it, you won't be able to manage money yourself.
Seven, repayment trouble
Going to the bank every month is often overcrowded; In fact, as long as you have a savings card with online banking, you can repay the credit card for free without leaving home through the network.
What are the reasons for the abnormal status of credit cards?
In the process of using credit cards, some people will suddenly find that credit cards cannot be used for payment and consumption. It is clear that there is still money available in the card, but this abnormal credit card status still happens. What are the reasons for the abnormal status of credit cards?
1, card damage, cancellation, degaussing, etc. If the credit card has been cancelled, the card status will be abnormal when swiping, the card will be demagnetized or the IC card chip is broken, and the abnormal status will also be displayed when swiping.
2. Card Freezing: If the credit card is frozen by the bank or has applied for loss reporting, the status will be abnormal when swiping the card.
3. Too many wrong payment passwords: Too many wrong payment passwords for general credit cards will cause the card to be locked and the credit card consumption status will be abnormal.
The above is the introduction of the reasons for the abnormal status of credit cards.
The introduction of credit card status ends here.