Moreover, judging from the quarterly card issuance trend of the central bank in recent years, from the third quarter of 2065438+2009 to the present, there is an increasing trend every quarter. The surge in the number of credit cards is mainly due to the concept of "ahead of consumption" of most residents in China.
According to the data released by relevant departments, as of the first quarter of 20021year, the total credit of credit cards in China reached 654.38+96.4 million yuan, the credit utilization rate reached 40.69%, and the average credit card amount reached 25,000 yuan. For many people, this money is enough to meet the current advanced consumer psychology.
Generally speaking, residents who use credit cards for consumption will not generate interest as long as they "repay in full" before the repayment date. However, many people still use the "minimum repayment amount" every month to repay, which will inevitably generate interest. According to the information published by some banks, when customers take the minimum repayment amount, the daily interest rate is five ten thousandths of the bill amount.
In addition, many people often miss the repayment date, which leads to overdue. According to the data released by the central bank, as of the end of the first quarter of 20021,the total outstanding credit of credit cards overdue for half a year reached 89.22 billion, up 6.39% year-on-year, accounting for 1. 12% of the credit card balance. As a result, many credit cards are expired now.
In this regard, the relevant departments have to supervise the credit card market, and many banks have frequently issued announcements, saying that if cardholders use credit cards improperly in the future, the credit cards held by cardholders may be blocked. Then, let's see what kind of misconduct may lead to the jam.
Abnormal use of credit cards
On June 8, 20021year, Bank of China issued the Announcement on Adjusting Credit Card Issuance, Withdrawal and Transaction Control Measures, in which the regulatory requirements indicated that the credit status of cardholders had deteriorated since June 20, 20021year; Apply for and use a credit card by fraudulent means.
In the process of credit card consumption, there are behaviors such as cashing out and abnormal capital flow. Bank of China can change the account status of the cardholder; Restrict cardholders' consumption and adopt current behavior; No longer handle new card, increase amount and installment business for cardholders. Since then, Shanghai Rural Commercial Bank has also issued relevant announcements, emphasizing:
Credit card overdraft funds should be used in the field of consumption. If the customer has a transaction beyond the normal use of credit card funds, the transaction will fail, and the bank will take measures such as reducing the amount, stopping payment and locking the card. Many people are curious about this. Which purpose in the bank's mouth does not belong to "normal use of funds"?
Judging from the information released by many banks, the control of real estate is quite strict now, especially after the announcement jointly issued by the Ministry of Housing and Urban-Rural Development and the central bank in March 20021year, many banks also responded positively.
For example, at the beginning of June, 20021,Bank of Guangzhou suspended the credit card transaction service for real estate merchants (merchant category codes are 177 1, 65 13, 70 12), but as early as 2002, according to employees of the bank.
The cardholder identity information has expired.
Generally speaking, in addition to the improper use of credit cards, the card will be blocked, and the expired identity information of cardholders will also cause banks to control the credit cards they hold.
Simply put, if our ID card information expires, the bank will ask the cardholder to update the identity information. During this period, the bank will restrict the transaction behavior of credit cards, and cardholders will not be able to spend by credit card. And the bank will also cancel the cardholder's current withdrawal behavior.
However, on the other hand, credit cards definitely belong to "advanced consumption". As a cardholder, when handling a credit card, we should first pay attention to the repayment interest rate. Secondly, in the process of using credit cards, we should establish a correct concept of consumption. At the same time, we should consider whether we have the ability to repay, and don't blindly "lead consumption". In addition, we must standardize the behavior in the process of consumption, and there must be no illegal behaviors such as illegal cash withdrawal and real estate payment, otherwise the credit card will be blocked.