When we choose to apply for a credit card, we definitely want a high limit. It’s not scary to open a card with a low limit. What’s scary is that you can’t increase the limit. When you are locked up in a dark room, you have to increase the limit. No, then how do you check whether your China Merchants Bank credit card has been locked up in a dark room?

The method is very simple. Open the Palm Life APP. If your credit card has been used for more than 3-6 months, there is no temporary limit or fixed limit, there is no bill installment, Yizhao Loan, or Yifen. In other words, there is nothing but the amount of credit available to you at the moment, so you will undoubtedly be locked up in a dark room.

If you are really unfortunate enough to be imprisoned, then why are you imprisoned? How can I get out of the dark room?

Being detained may be caused by the following reasons:

1. The validity period of the ID card has expired;

2. The card is used unreasonably for a long time. No consumption, too many purchases, too many merchants, etc.;

3. Overdue or minimum repayments;

4. Use the China Merchants Bank cash installment plan to increase the amount Fixed limit;

5. The total credit limit of other banks under your name is very high or overdue;

6. The total liabilities of loans, credit cards, etc. under your name are too high;

7. Credit card swiping or swiping in violation of regulations.

Knowing the reason, if you want to get out of the dark room, you need to take the right medicine. First, keep good card usage records to avoid illegal card use; apply for large deposits or financial management with China Merchants Bank Debit Card, If you have money, be willful. For the sake of money, banks will treat you preferentially. Reduce your debt and keep all credit card bills around 50.

There is another way to get out of the small dark room the fastest, that is to make installment purchases in the China Merchants Bank Mobile Life App. The amount should be more than 1,000, and if you apply for installment, you can usually get out of the small dark room smoothly. You guys in the dark room, after all, you have contributed to the bank, so there is nothing wrong with you.

Nowadays, most cardholders do not hold just one credit card, but multiple bank credit cards. After all, each bank has different rights and interests, and one alone cannot satisfy them. needs, so I will finally share the methods of self-checking whether other banks’ credit cards are in the black room:

1. Industrial and Commercial Bank of China

Industrial and Commercial Bank of China is the largest bank in credit cards. , the limit can be adjusted in online banking or mobile banking. If the temporary limit and fixed limit do not change during the adjustment, you may have entered a dark room.

In addition, if your application for the ICBC second card is rejected the next day, and the reason for rejection is code "942", you may have been put into a dark room by risk control.

2. China Construction Bank

CCB’s judgment method can only be through temporary and fixed quota increases. If you have used it for a long time, there will be no increase in quota. , we have to consider whether it is a small dark room.

3. Bank of China

The temporary limit of the Bank of China credit card is available at any time. If the temporary limit of the Bank of China credit card is not provided, it is undoubtedly a dark room.

4. Agricultural Bank of China

Agricultural Bank of China’s mobile banking allows you to adjust the limit. If you use the card for a long time and there is still no reference limit on the limit adjustment page, you are entering a dark room.

5. Bank of Communications

If the credit card limit of Bank of Communications is reduced, you are basically in a dark room. In addition, if the character index of the Bank of Communications Pay Bar is below 600 for a long time, it is also a dark room.

6. China Guangfa Bank

The black room owner of China Guangfa Bank currently has no wealth fund, bill installments cannot be processed, no temporary limit, and the second card was directly rejected, and he has entered the black room. Nothing wrong.