The little black room we are talking about is what China Merchants Bank calls the risk control card. So why is it that you are locked up in a black room? It is easy to understand. In fact, it is very easy to understand. It means that your China Merchants Bank credit card is locked up. In the black room, you cannot make installments, increase the fixed limit, or increase the temporary limit. You can only swipe the card on a daily basis.

If you still make the minimum payment after overdue, you should be more careful when using the card in the future, because banks attach great importance to such users, so they will keep a close eye on them.

The bill is single and the credit limit for a single transaction is large. A single bill means that in the monthly bill, there are less than three purchases or there is only one type of consumption. A large single credit card swipe limit generally means that the single credit card swipe limit exceeds 90 or more in each monthly bill and lasts for several months. At the same time, the number of monthly purchases is small, and they are basically large-value transactions, which are bound to be noticed by banks and can easily be controlled by the system.

To put it simply, you have applied for too many credit cards, and the total credit limit of the credit cards far exceeds your personal assets, or your personal liabilities are too high.

For example, if you clearly made a purchase in China, but in the end it was shown that you swiped your card overseas or spent money during abnormal work and rest hours, etc., there are other abnormal transactions.

At this time, you need to bring your documents to the bank in time to update your personal identity information. If you choose to ignore it, don’t blame the bank for not reminding you.

After analyzing why banks let you enter a ‘black room’, let’s talk about the characteristics of mainstream banks entering a black room. Do you want to detect whether you have entered a black room? You can try this method below!

Try to adjust the limit in online banking or mobile banking. Whether it is a fixed limit or a temporary limit, the maximum limit displayed is consistent with your current limit. This means that you cannot even withdraw the temporary limit. At this time, you Just pay attention. Another method is to call customer service and ask for the rejection code when you apply for a second credit card and it is rejected the next day. The customer service will tell you "942".

The temporary quota is a symbol of it. Go directly to see if there is any temporary quota. If you cannot withdraw the temporary quota, you are in a dark room, because the temporary quota of Bank of China is available all year round. .

Agricultural Bank of China is the same as Bank of China. Go to mobile banking and click on the limit adjustment. Then in the reference limit column, if there is a limit displayed, it is no problem. If there is no line, China Merchants Bank

Enter China Merchants Bank Mobile Life APP, if your temporary limit, bill installment, E-loan, cash installment cannot be processed, this is a very typical black room case.

In fact, don’t be too anxious when you enter the dark room, because it’s useless to be anxious. The best way is to adjust your card usage strategy in time. Generally speaking, you will come out of the dark room after using your card normally for a period of time. . If you really can’t apply for other card types from the bank in a hurry, canceling the card that got into the black room is one way. In addition, if you hold multiple credit cards, have a large credit limit utilization rate, or have reached the maximum credit limit, these prompts will also appear. Please make the right choice according to your own situation.