What's the failure of credit card withdrawal?
1, which does not meet the withdrawal time.
There is a time limit for each bank to withdraw a fixed amount of credit cards. Generally, most banks stipulate to withdraw money once every 3-6 months. And there is also a certain time limit between withdrawals. If the application time is wrong, then the withdrawal application will also fail.
2. Personal credit difference
When the cardholder applies to the bank for withdrawal, the bank will check the credit information of the cardholder to determine whether the credit information of the user meets the withdrawal requirements. If there is a serious overdue behavior in personal credit information, then the withdrawal application will definitely be rejected.
3. There is not enough time to use the card.
Most banks require the specified credit card usage time, and the withdrawal time is different according to your withdrawal times. For example, most bank credit cards are required to be used for more than 6 months for the first time, and some are 3 months; If the amount is raised again, it will take 3 months or more from the last amount. If the use time does not meet the requirements of the bank, it is basically impossible to raise the amount.
4. Illegal card use
The most common way is to cash out. The main purpose of issuing credit cards by banks is to let cardholders use their own money for daily consumption, but some people use the money cashed out by credit cards for other things, such as investment and stock trading. Once the bank judges that the cardholder is using the card abnormally, it will reduce the amount and seal the card, not to mention increase the amount.
Credit card withdrawal skills
1. Repay on time, not overdue, and maintain a good credit record;
2, the first choice for consumption _ credit card;
3, multi-type consumption, try to swipe your card in large shopping malls and restaurants, after all, the credibility of consumption records of large merchants is higher than that of ordinary small merchants;
4. If conditions permit, try to spend your credit card abroad;
5. Apply for small installment repayment or minimum repayment amount as appropriate;
6. Don't swipe your card in whole numbers, which will easily make the bank think that you are cashing in;
7. Don't cash out maliciously;
8. The credit card should conform to the trading time rules of the merchants, and try to be between 9: 00 and 22: 00, which is the normal business hours of most merchants.
In short, whether a credit card can be successfully withdrawn will be affected by many factors. If rejected, you'd better find a way to solve it according to the above reasons.