1. When your card usage triggers the risk control system, you will enter the grey list of the bank's risk control system. The way to judge is very simple. If you want to know if you are locked in a dark room, just look at whether the original function has been reduced. For example, there are no temporary quotas, cash installments, e-loans, etc., then you are entering a dark room.

2. The performance of China Merchants Bank's Little Black House is that China Merchants Bank's Pocket Life App has functions such as bill installment and pocket cash withdrawal, but it does not support e-lending. Daikokuya's plot is more serious, and there may be no e-loan, bill installment, pocket cash withdrawal, etc. In short, the less functions, the more serious the plot.

3. To put it simply, the difference between China Merchants Bank's little black house and Daikokuya is that the little black house mainly restricts cash installment and cannot adjust the temporary and fixed quotas. Daikokuya is even more serious, except for the quota, it can't handle bill sharing and e-loan. Friends who can't tell the difference between China Merchants Bank Daikokuya and Little Black House can use this as a basis for judgment.

4. Whether it is Daikokuya or the little black room, it will still have some influence on the normal card use. So, what will be closed? Everyone must be careful of the following behaviors to avoid being locked up: ID card information is out of date, using e-loan may also enter a dark room, credit card has illegal card swiping behavior or abnormal card use, and debt is too high.