What are the credit cards that are easy to have your card blocked and have your limit reduced? This is how you can deal with risk control!

Each bank has strict risk control, and many cardholders have experienced credit card derating and card blocking. However, this wave of card blocking and derating risk control is still in progress. As the cold winter approaches, users Cards need to be used with caution! Especially for these credit cards that are easy to have their cards blocked and their limits reduced, all cardholders had better use their cards in compliance, otherwise don’t cry if your card is blocked.

Credit cards that are easy to block and reduce their credit limit and countermeasures

1. Credit cards of Minsheng Bank:

Minsheng Bank, which has always had loose risk control, this time also So cruel, many cardholders received card blocking warning text messages. The text messages stated that the user's historical card use behavior had violated the relevant provisions of the card usage contract regarding the use of credit card overdraft funds. For this reason, the RMB overdraft consumption in the cardholder's account was The function is closed, but consumption, repayment, cash withdrawals and installments will not be affected.

When receiving this kind of text message, the best way to deal with it is to divide the overdraft consumption amount into installments. It is best to divide it into more than 12 installments and the amount is more than 5,000 yuan. In this way, the block may be unblocked.

2. Credit cards of Ping An Bank:

Many Ping An credit card holders have received risk control text messages from their banks, saying that because there are risky transactions in their credit cards, they need to use them at designated times. Send the formal invoice for the consumption period to the bank's mailbox within the time limit and wait for the bank's review. If the formal transaction invoice is not provided after the expiration date or the verification invoice is invalid, the bank will take measures to block the card or reduce the credit limit.

The best response to receiving this kind of text message is to provide an invoice. If it cannot be provided, it is best to call Ping An Bank’s credit card customer service number and directly access the manual service, otherwise the merchant will refuse to issue it. Invoices can be deceived under the pretext of discounting, and it would be best if they can be deceived.

3. Guangfa Bank’s credit card:

The derating trend of Guangfa Bank is relatively serious, and they are all directly derated. Of course, you will also receive text messages after the derating, but this In this situation, there is generally no chance of remediation.

There is only one reason for the derating given in the text message. The comprehensive risk assessment is not up to standard. We also warmly remind you that if you do not want your Guangfa card to be derated or frozen, it is recommended to standardize card consumption in the future. Do not Abnormal transactions occur again.

The above is the relevant introduction to "What are the credit cards that are easy to have your cards blocked and reduced?" I hope it will be helpful to everyone. All in all, most of the reasons why the above credit cards are blocked and reduced are due to illegal use of the card and abnormal transactions found by the bank. Therefore, if you want to avoid risk control, it is best to use the card compliantly.

Why credit cards will be reduced

1. When the cardholder uses the credit card, if the card swiping habit suddenly changes, or the credit card is suddenly maxed out, the bank will think that the cardholder has made a transaction If it is abnormal or suspected of cashing out, the bank will send a warning text message to remind you that credit card transactions are risky and please use the card properly.

2. If the credit card used by the cardholder has always been normal, but suddenly cannot swipe the card for consumption, then there must be an abnormal transaction on the credit card, or it may be that the credit card has been overdue, etc., and has been charged by the bank. Being on the blacklist without knowing it is also a sign of a credit card reduction.

3. If the cardholder has always used the card in a standardized manner, it will be very easy to apply for installment, because banks are eager for high-quality customers to apply for installment repayment and can earn handling fees. Once the application for installment is rejected, it means that the cardholder may become the bank's risk control target. Once entering the bank's black room, the credit limit will be reduced as soon as possible.

The dangers of credit card overdraft:

1. Producing a bad credit record;

2. Interest: calculated at 50,000 per day;

< p>3. Late payment fee: generally calculated as 5% of the unpaid portion of the minimum repayment amount (depending on the regulations of each bank);

4. Malicious credit card overdrafts may also face criminal penalties;

< p>5. If you are blacklisted by the bank, you will no longer be able to have a credit relationship with the bank within 5 years from the date of paying off the debt. Your credit worthiness will not be greatly affected if you repay one or two days late, but overdraft interest will be charged. That is, two days of overdraft interest will be charged based on one ten thousandth of the overdraft amount.

For the above content, please refer to Baidu Encyclopedia-Credit Cards

Which banks are reducing credit card limits in large numbers now? Pay attention to these matters

The credit card limit is not fixed and the bank will adjust it from time to time. This means that the limit can be increased, but there is also the risk of reducing the limit.

And when the wave of credit reductions hits, many banks have reduced their credit card limits, and a large number of banks have reduced their credit card limits. If you have these credit cards, be careful.

Which banks are reducing credit card limits in large numbers now?

1. China CITIC Bank

CITIC Bank has also begun to tighten its risk control. It has previously issued an announcement that it will reduce the credit card limit for credit cards that have not generated transactions in the past 6 months. Entering 2020, it will be another year. The crazy derating mode has been turned on, and the derating range is relatively large. Many cardholders with a credit limit of more than 10,000 have been reduced to less than 10,000, and some have even been reduced to 5,000. On the contrary, those with a credit limit of only 3,000 to 5,000 are relatively stable. It's gone.

According to the feedback from cardholders who have had their credit derated, most of the small loans have been downgraded. For example, the credit report of Jiebei shows that it is Chongqing small loan. As long as you have one, your credit may be reduced. Also, pay attention to the wrong way of swiping the card, such as frequently scanning the QR code to swipe the card, or swiping the QR code machine. Although some cardholders have not reduced their credit limit, they are restricted from transactions and can only use a credit limit of 2,000 yuan per month, which is quite miserable.

2. China Merchants Bank

China Merchants Bank, which has always had relatively loose risk control, has also reduced its quota. Many people have received text messages from China Merchants Bank saying, “The account you opened with our bank exists. Abnormal, according to bank risk control rules, our bank will suspend the use of your credit card."

According to feedback from cardholders, the problem is that the debit card has been terminated by China Merchants Bank for over-the-counter services, and even withdrawing money has to go to the counter. Especially those who use China Merchants Bank cards as settlement cards. Once the flow is too large or abnormal, the risk will be controlled if the reverse is triggered, which will implicate the entire account. Credit cards are naturally not immune. Therefore, if you use China Merchants Bank for settlement cards, you should change banks quickly.

What causes the credit card limit to be reduced?

There are actually many reasons for the credit card to be reduced, such as: 1. Cash out. During use, if the bank's system discovers that the user has cashed out his credit card. Then, in order to prevent risks from occurring, the bank will reduce the credit card limit. 2. Credit cards are used less frequently. If the user uses the credit card less frequently, the bank will also take back part of the credit limit. 3. There is an overdue situation

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Why is the credit card limit reduced? Three reasons to know!

There are actually a lot of skills involved in using credit cards. Many card experts are not only able to use credit cards well, but also increase their limit. However, if credit cards are used carelessly, credit limit reductions often occur. If you want to deal with a credit card reduction, you must first understand the reason. So why are credit cards being reduced? Let me introduce to you the reasons.

Reason 1: Overdue credit cards

Overdue credit cards are one of the biggest taboos of banks. Cards are originally applied for based on credit, and overdue means there is a credit risk. Once it is overdue, it is most likely to be reduced by the bank, and in serious cases, the card will be blocked and blacklisted.

Therefore, when using a credit card, be sure to remember the billing date and repay it on time. If you have a bad memory, you can link it to a savings card where you often have money and automatically repay it. The bank will not deduct your money randomly. .

Reason two: Account abnormality

There may be many reasons for account abnormality, but the most common one is cashing out. If you have a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy to be suspected of cashing out.

There are also sudden overseas purchases, card theft, etc., which may be considered as account abnormalities, and the bank will reduce the balance.

Reason Three: Sleeping Credit Cards

If a credit card has not been used for more than a few times, it will easily be reduced by the bank. Credit cards that have not been used for a long time have serious security problems.

For this kind of sleep card, it is also beneficial to reduce the limit. Once fraud occurs, the loss will not be so serious.

Regarding "Why is the credit card limit reduced?" Here are three reasons for everyone. If you want to restore the limit, you must take the right medicine. I believe that the limit will be restored soon.

In these situations, the Agricultural Bank of China credit card will be reduced!

The credit card situation is really not very optimistic. Since last year, various banks have been reducing the limit and cutting off the rights. Until the second half of the year, the pace has not stopped. The rights are still being cut, and the limit is still the same. drop. Even the most honest and kind-hearted Agricultural Bank of China has begun to adjust its policies and tightened its risk control. This time I received first-hand news that the Agricultural Bank of China’s credit card policy has been adjusted. This can be seen from the large-scale reduction of Agricultural Bank of China’s credit cards. Let’s take a look at the specific situation!

The Agricultural Bank of China credit card has made slight adjustments. The credit card limit may be reduced for the following card usage situations:

1. Those with overdue small loans, credit reports or serious Those who are on the online credit blacklist after the due date, and those with bad credit will be directly reduced.

2. If the cash-out is obvious, if there is any abnormality in the card swiping monitoring and there is suspicion of cash-out, in serious cases, the card may be blocked directly.

3. If you deliberately create the illusion of credit card swiping, return the card on the billing day, and charge a large amount within two days. If you have more than 3 bills in half a year, your credit limit may be reduced.

4. If the credit card is empty or used very infrequently, the Agricultural Bank of China will deem it useless and will directly reduce it for you.

5. If there is no installment for a long time, the contribution value to the Agricultural Bank of China is too low. It is said that if the comprehensive contribution value score is less than 3 points, it may be derated. The specific situation is not yet certain, you can ask Contact customer service.

In addition to the bad news about the above credit limit reduction, there will also be good news about policy adjustments. If there is a credit limit reduction, there will be an increase in the credit limit. The news about the credit limit increase is as follows:

1. For credit reporting Cardholders with no overdue credit cards and good credit card usage will gradually increase their credit limits starting in August.

2. Agricultural Bank of China’s credit card adjustment will no longer strictly limit the time. Regardless of whether it is temporary or fixed, as long as you perform well, you will be regarded as a high-quality customer by Agricultural Bank of China, and the bank will take the initiative to increase your credit limit from time to time.

The above is the credit card adjustment introduced to you. The main thing is that if you don’t use the card normally, your card may be reduced if it is overdue or cashed out. If you have good credit and good card usage, you don’t have to worry. The limit will be reduced. It has nothing to do with you.

This is the end of the introduction about which credit cards will be reduced and under what circumstances credit cards will be reduced. I wonder if you found the information you need?