The bank no longer provides you with credit card services.

1. The borrower always repays in advance. Beibin Consumer Finance will think that the borrower's borrowing demand is not strong and if the borrower repays in advance, Beibin Consumer Finance will not earn much interest and may no longer Support borrowers to borrow again. 2. If the system of Beijing Bank Consumer Finance is being upgraded or maintained, and the borrower cannot successfully borrow despite having a quota, you can pay more attention to official announcements or notices. Generally, you can apply for a loan after the system is normal. 3. When the borrower used the BIB consumer loan, he failed to repay on time, had multiple overdue repayment records, his personal credit deteriorated, his overall score decreased, and he no longer met the loan requirements. 4. The borrower's loan information has expired and cannot pass the system's review. The loan information needs to be updated. 5. The borrower is too old, over 50 years old, and no longer meets the age requirements of Beijing Bank Consumer Finance, and cannot borrow again.

Credit card, the bank freezes the full amount of consumption, not the credit card, the bank freezes the full amount of consumption, freezes the credit card, but freezes a certain amount as a pre-authorized amount. The so-called "pre-authorization", in layman's terms, means that when the cardholder checks into the hotel, the hotel estimates the consumption amount based on the number of days of stay and the hotel's pre-deposit regulations, and requires you to swipe your credit card for "pre-authorization", that is, pay the deposit. The hotel cashier took away 1,200 yuan. In fact, the money was still on your card and was not paid to the hotel. It was just that the amount was frozen. The POS form was blank and was not a proof of bank card deduction.