1. Illegal card use: If the user is often found to use the credit card illegally by the wind control system, the credit card application platform will stop credit card payment, such as blocking the card or freezing the card. In this case, the card can only be used for repayment. The bank will only terminate the payment if it provides the consumption certificate of the objection transaction. Otherwise, the card can never be used.

2. Report the loss of credit card: When the credit card is lost or cannot be found, the cardholder will generally report the loss and reissue the credit card to ensure its security. At this time, the original credit card can no longer be used, and a new card needs to be activated, but normal repayment can be accepted, but this situation is only temporary.

3. Credit card risk transaction: If the cardholder spends money abroad, the bank can control the transaction and temporarily stop credit card payment. At this point, the credit card can only be repaid and cannot be used. But usually in this case, the bank will call to verify whether it belongs to personal consumption. If it is verified as personal consumption, the payment will be cancelled and the card will be allowed to continue to be used.

Check monthly whether the post-loan management is normal?

Normal. Generally 1-3 months. The number of inquiries will depend on the specific regulations of the lending bank and the user's credit card usage. Some institutions that pay more attention to post-loan management may have more inquiries, so they will inquire about users' personal credit reports every month for post-loan management. Therefore, loan management after each month is a normal phenomenon, and users need not worry too much.