First find out the reason why the card is at high risk. You can log on to the official website to check, or call customer service.

First of all, please use the card rationally and repay on time to avoid a bad credit record. If it is overdue, please raise funds to repay it as soon as possible; secondly, if it is not overdue but the use of the card is restricted, you need to inquire about this situation. Regarding the account status, since the Baidu platform cannot verify the account information, please call the customer service number on the back of the credit card for manual inquiry and verification. ?

1. Top 10 card-using behavior characteristics of "high-risk credit cards":

1. If the information is submitted through an intermediary, the card will be blocked directly as long as there is suspicion.

2. Repeated operations at the same POS machine for several months.

3. The limit of a card is 10,000. Just swipe it out at the POS machine as soon as it is activated.

4. The same card is used on the same capping machine on a fixed date every month, occupying bank funds.

5. There are transactions beyond normal business hours, such as merchants in the wholesale market having transactions after get off work hours.

6. Use Alipay too much for payment in a short period of time. For example, CITIC’s maximum single transaction is 1,000, and multiple transactions are 998, 995, 899, 999 and other similar numbers.

7. The credit card has been in a state of being empty for a long time. For example, if the repayment date enters the whole number in a short period of time, the whole number comes out, and there is no record of credit card swiping at other times or less than 2 transactions. If the background system is operated like this for several months, it will be a problem. can be detected.

8. It can also be detected if you use your own POS machine to swipe your credit card frequently.

9. Integer single transactions, such as 10,000, 50,000, 10,500, 50,500, are all suspected of cashing out.

10. The same card has transactions on two or more terminals within 30 minutes, regardless of success or failure, including balance check.

Extended information:

Application conditions

1. Chinese residents and foreigners who are resident in China and who are over 18 years old, have full capacity for civil conduct, and have good credit People, compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents. The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct.

2. Any enterprise, administrative institution, social entity, or other economic organization authorized by a legal person that has independent legal person status can open a basic deposit account at a financial institution in China with the certificate issued by the People's Bank of China. Basic deposit account opening license and other supporting documents are required to apply for an organization card from the card issuer (if you need to apply for an international organization card, you must also have a foreign exchange settlement account).

3. When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit the relevant supporting documents required by the card issuer, and agree that the card issuer shall submit the application to any relevant party. Departments, units and individuals understand and inquire about applicants' credit status, and retain and use relevant data.

4. The card issuer will decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant. Unsuccessful application materials will not be returned.

5. The methods by which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

6. After receiving the credit card, the cardholder should immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, The cardholder is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.

Baidu Encyclopedia-China Merchants Bank Credit Card