How is China Merchants Credit Card (debit card) considered a black house?

The China Merchants Bank Black Room actually refers to the risk control system of China Merchants Bank. If cardholders use their cards improperly, they will be subject to risk control by the bank, and as a result they will not be able to enjoy some of their rights.

It is understood that China Merchants Bank’s black rooms are divided into large black rooms and small black rooms, which are mainly determined according to the level of risk control. Currently, China Merchants Bank’s risk control has four levels, and different levels have been cancelled. Different rights and interests:

1. If the debt ratio is too high, you cannot apply for cash installment. This is like entering a dark room;

2. Credit cards (debit cards) are blocked by banks If an abnormality is discovered, the limit cannot be increased. This is also a black room;

3. Because the cash withdrawal is subject to risk control, the temporary limit is gone and the fixed limit cannot be increased. This is a big black room.

4. There are serious violations. In this case, in addition to being able to swipe credit cards (debit cards) and make repayments, other rights and interests cannot be enjoyed. This is the most serious blackmail. Room.

Crack the "black room" of credit cards. If you want to increase the credit limit, you have to use the card like this

Many people know that China Merchants Bank credit card has "little black room" and "big black room", but In fact, credit cards all have so-called "black rooms", but China Merchants Bank's ones are particularly easy to distinguish.

If the China Merchants Bank credit card cannot be installmentd, it will be a "big black room". If there is no limit increase or temporary limit for a long time, it will be a "little black room". Most banks do not have big black rooms, because installment is also a way to generate income, so there are no restrictions.

It is normal not to raise the limit on your credit card, but if you do not raise the limit for a long time (more than two years), you should consider whether you have entered the "black room" of the bank.

Generally speaking, it is easy to enter the bank's "little dark room" under the following circumstances

1. Receive a reminder text message from the bank regarding standard card use. (Has entered the dark room)

2. Cash installment using credit card.

3. The card has been empty for a long time, and the debt ratio can be found in post-loan management to exceed 70%.

4. Use credit cards to cash out, especially those from merchants without points.

If you have entered a "little dark room", don't panic. Check the situation yourself first. After avoiding it, you can quickly get out of the "dark room" by using the method below.

In the second situation, you will enter the dark room for a while, but it will not last long, and you will come out when the time is up.

The third situation recommends selective installment of credit cards, because the People's Bank of China bases its credit report on the bill amount reported by the credit card. After installment, the repayment amount in each installment will be smaller, and the reflected debt ratio will be lower. .

For the fourth situation, please take a look at the table below first

The third-party payment acquirer corresponding to the bank in the above table does not have points. Huishang Bank only this month The announcement will come into effect on July 1.

If you hold the above corresponding bank credit cards and are using a brand machine without points, and have not been given a credit limit for a long time, you may consider switching to another brand and changing your card usage habits and methods.

After finding out the reasons for entering the dark room and avoiding them, let’s talk about how to get out of the dark room.

The logic of getting out of the black room is very simple, which is to contribute to the bank.

Method 1: Installment! Everyone knows this. You can participate in installments when banks are doing activities. Bank activities are usually 50-90% off. You can divide it into 3 or 6 installments. If the installment is too long, the cost is high, and some banks The repayment ability will be questioned, but after China Merchants and Guangfa enter the "big black room", they will not be able to make installments, so the following method needs to be used.

Method 2: Withdraw cash! Many people will ignore this, but it is indeed a very useful method to break into black houses. You don’t need to withdraw more cash, just 2,000 (PS: most older ATM machines can withdraw up to 2,000 for a single transaction). One-time bill according to the situation Just take it out two or three times. After taking it out, you don’t have to wait for the bill to come out before paying it back. The bill is paid in advance.

Method 3: Purchase products from the installment mall! Don’t think that buying products from the installment mall is more expensive. Some popular digital products have just been released. Bank installment malls often have them in stock due to their brand channels, and they are interest-free. Calculated, they will not be more expensive, but please pay according to your needs. To purchase, just buy some products according to your current needs, there is not much difference.

In addition to the above methods, you can also contribute by purchasing bank financial products. However, this is not cost-effective for most cardholders who have already entered the dark room. You can decide according to your own situation. .

Using the above method, you can usually get out of the black room after two or three installments of bills. I know that the fastest time to get out of the big black room for investment is half a month.

After leaving the dark room, pay attention to the card usage. You can increase the limit after 3-6 bills.

What does China Merchants Bank’s Little Black Room mean? What does China Merchants Bank’s Big Black Room mean?

1. When your card usage triggers the risk control system, you will enter the bank’s risk control System greylist.

2. The judgment method is very simple. If you want to know whether you have been locked up in a dark room, just look at whether the original functions have been reduced.

3. For example, if there are no temporary quotas, cash installments, e-loans, etc. in the past, then you are entering a dark room.

4. The performance of CMB’s Little Black Room is that CMB’s Mobile Life App has functions such as bill installment and mobile cash withdrawal, but it does not support e-loans.

5. The plot of the Big Black Room is more serious. Mobile life may not include e-loans, bill installments, mobile cash withdrawals, etc. In short, the fewer functions, the more serious the plot.

6. To put it simply, the difference between China Merchants Bank’s small black houses and big black houses is that the small black houses mainly limit cash installments and cannot adjust temporary and fixed quotas. The big black houses are more serious, except that they cannot adjust the quota. , bill points and e-loans cannot be processed.

7. Friends who cannot distinguish between the big black house and the small black house of China Merchants Bank can use this as a basis for judgment.

8. Whether it is a big dark room or a small dark room, it will still have a certain impact on the normal use of the card.

9. So, under what circumstances will one be imprisoned? Everyone must be careful of the following behaviors to avoid being locked up: expired ID card information, using e-loans may lead to illegal use of credit cards, abnormal card use, excessive debt, etc.

Will China Merchants Bank block the card if it enters the dark room?

If the user has entered the dark room of China Merchants Bank, and the illegal use of the card has not been reviewed or the overdue debt has not been settled, the card may be blocked at this time. However, the user only entered the black room because of a high debt ratio. As long as part or all of the debt is settled and the debt returns to normal, the user will naturally come out of the black room. In this case, the card will not be blocked.

For users, entering the dark room of China Merchants Bank is more or less caused by irregular use of cards. Users must pay attention to repaying on time when using cards.

This is the end of the introduction about the CMB Credit Card Black Room and how to break it. I wonder if you found the information you need?