After successfully applying for a credit card, many users keep using the card at will. However, the right to use the credit card is not controlled by the cardholder. It is often the case that banks directly restrict the use rights of the credit card. So, what’s going on when credit cards are not allowed to be used? Maybe it's because of these reasons!
Generally, banks do not allow the use of credit cards because they have taken risk control measures on the credit card and have stopped payment on the credit card. At this time, even if there is a limit in the credit card, it cannot be used. The risk control needs to be lifted before the credit card can be used. The bank restored card use privileges. Users need to find the cause and take appropriate measures to solve the problem so that they can resume use. For example:
1. The credit card is seriously overdue. When a bank approves a card, it will strictly review the user's qualifications, especially the repayment ability, so that the user can repay the card in full and on time to avoid undesirable situations such as overdue payments. Therefore, if a user has serious overdue behavior during use, the bank may freeze the credit card in order to control the lending risk and prevent the user from continuing to use the card. At this time, the user must pay off the overdue credit card balance and prove that he did not commit malicious overdue behavior before he can resume using the card.
2. Bad credit card usage behavior. Banks approve cards to users, mainly for cardholders to use the cards for consumption in daily life. Although they also support cash withdrawals, they are not provided free of charge. In order to obtain funds, many users may use credit cards to conduct illegal cash withdrawals. However, with the upgrade of the bank's risk control system, this behavior is easy to identify. It is understandable if this behavior only occurs once or twice occasionally, but if it is done for a long time and there are large transactions every time, The credit card application platform may process the credit card payment stop. Once this is discovered, it will be permanently frozen. Unless the user can provide real consumption vouchers, the restriction may be lifted after repayment.
The above is an introduction to the reasons why credit cards are not allowed to be used. Users can find the problem based on their actual situation and take appropriate measures to solve the problem, so that the use rights can be restored. Moreover, during the process of using the card, it is best for users to maintain good card usage behavior and avoid bad behaviors such as overdue payments, so as to maintain personal credit and avoid risk control by the bank.