first, banks turn a blind eye to the behavior of raising cards, and a long-term cashing behavior of credit cards is easily detected by the internal system of banks. Why is this phenomenon not stopped, but increasing? Because this kind of cash-out behavior is too common, it will take a lot of manpower, material resources and time to check it up. As long as the cash-out behavior is not too excessive and can be repaid in time, banks pretend to be invisible. And no matter how he cashes in, it is inevitable that there will be a handling fee, which is also one of the income of banks, so they will naturally not stop this kind of behavior.
second, banks have indicators for handling credit cards. In recent years, employees of major banks have been trying to complete bank-related credit card handling tasks. The rigor of personal information audit is very low, and sometimes even an ID card is needed, and there is no evaluation of the repayment ability of the handler.
Third, the credit line is highly authorized. In order to enable card holders to quickly determine the processing, they will often directly approve their application line or even increase it. There is no comprehensive consideration based on one of his solvency assessments and the credit card limits handled by other banks.
Cash-out itself is a black industrial chain, where there is demand, there will be benefits. Some people want to cash out, and naturally some people want to make money from the cashiers. Now a new business has been developed because of the card slave, which provides credit card cashing service and only needs to charge a handling fee. Under the operation of such a black industrial chain, many card slaves will only get deeper and deeper. Moreover, once the arrears cannot be paid off in time, it will affect a problem of self-credit, which will bring great inconvenience to future life. It is not a good thing for banks to see such a large number of credit card people who can't afford the money.
Faced with this unhealthy trend, many banks began to formulate corresponding new regulations to warn the card slaves. Because of the epidemic last year, many enterprises closed down or even stopped working, so many people's economic sources were blocked at once, and those "card slaves" were also hit hard. Taking advantage of this storm, the bank has taken a measure to reduce the quota and seal the card for a large number of risky users who have been overdue. This move made most "Kanu" feel great pressure.
moreover, there are many loopholes in many POS machines that provide cash-out services in the market. if they are not handled in time, it is likely to cause economic losses to cardholders. The authority of the minimum repayment amount will be decided by the bank itself, and the interest-free period will be set according to the use of personal credit cards, which is no longer fixed, and so on.
It is very important to establish a correct consumption concept, and to have some control over your own desires. Although the living standard has been greatly improved compared with before, there are many attractive things in the outside world, and consumers should spend according to their own spending power. Although the advanced consumption method of credit card meets your pursuit of life at the moment, it has no future, and the ultimate overdraft is your own economic strength.