With the appearance of consumption in advance, the consumption concept of young people has been very different from the past. Of course, with the emergence of early consumption tools such as credit cards, flower beds and borrowing beds, ordinary people can still benefit from them when they are in urgent need of money. Moreover, as long as credit cards and flowers are used reasonably, there is actually no need to pay any interest.

of course, in the process of using credit cards, users are naturally most worried about the situation of reducing the amount and sealing the cards. Many people say that they obviously use their cards normally, but they are still inexplicably reduced by the bank. Why? Why is the credit card blocked?

Usually, cardholders are easily targeted by banks and judged as risky users because of risky behaviors such as cashing out with credit cards or being suspected of cashing out. Therefore, the bank will remind the cardholder in the form of SMS. If such behavior still exists after the reminder, it is very likely that the card will be blocked.

when your credit card is risky or abnormal, there is usually a phone call from the bank customer service staff to confirm, and the customer service staff will remind you that your credit card is abnormal and confirm to you whether you swiped it yourself. If the user receives this kind of call, it means that the bank's risk control system has been eyeing you and has begun to suspect that your credit card is abnormal. If you don't insist on using your card well, it won't be long before your credit card will be blocked.

Many times, we swipe our credit card for various reasons, but we can't find the original one and keep swiping it. It's also improper to try to swipe the credit card too frequently, and it's even more suspicious to cash out the credit card, so don't try to swipe too much once the credit card fails.

what should I do if my credit card is frozen?

Pay off all arrears including interest as soon as possible. Call the credit card center to explain the situation and apply for opening. There should be no need to provide any materials. Never cancel the account, continue to use it for at least 2 years, and try to put an end to the above situation.

the data of credit cards, loans and guarantees will be submitted to the personal credit information system and updated monthly. No matter how few days the overdue period is, it will form a negative record, and only the degree of overdue will be indicated by figures.

as we all know, the popularity of credit cards is actually a double-edged sword. It does bring convenience to people's daily consumption, but it also leads to the emergence of various "advanced consumption", which is often dominated by young people. Once young people get used to using credit cards to spend in advance, they will have a weak awareness of the concept of money, which will lead to the illusion that the money is only small money in their eyes. However, after the bill came out, it was the moment to break the illusion.

My opinion

As an adult, we need to have a correct understanding of our earning power, and ask ourselves whether we can afford it before spending. If the economy doesn't allow it, then don't spend at will. If the credit card is overdrawn, it will be overdue if it can't be repaid. If it is overdue, it will be reported to the credit bureau, which has great influence on us. So all in all, don't overspend, what do you think?