Before the CMB credit card is blocked, CMB will usually send a text message to remind the customer, and the content of the text message will usually be: "Mr./Ms. XX, your CMB credit card account will be suspended within 24 hours due to risk factors. Please call us for enquiries." Sometimes, staff from China Merchants Bank will directly call cardholders to inform them that their cards are about to be blocked.

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General situation of card blocking:

1. If a customer uses a China Merchants Bank credit card to pay for a transaction, he or she is always prompted that there is a risk and cannot proceed with the transaction. If so, it may also indicate that your credit card account will be subject to risk control by China Merchants Bank, and the card is likely to be deactivated later. It is recommended that customers pay attention to maintaining good card usage behavior at ordinary times. Do not swipe cards at irregular POS machines, do not always swipe cards during non-business hours of merchants, and do not always swipe cards in large amounts when making transactions. Because these may lead to an increase in account risks, banks must carry out risk control. Also, after swiping your card for consumption, you must remember to repay on time within the specified repayment period, and avoid overdue payments for a long time.

2. Under normal circumstances, China Merchants Bank will send a text message to the cardholder before taking action to block the credit card. Sometimes, the staff of China Merchants Bank will also directly call the cardholder to inform them. The card will be blocked soon. If a cardholder has multiple overdue repayment records and the card is swiped too frequently, the card-issuing bank will take measures to block the card. In addition, if the credit card is empty for a long time, or the time of swiping the card is abnormal, or the amount of the card swiped is an integer, etc., it will also cause the card to be blocked. In general, if a cardholder is always reminded that there is a risk when using a CMB credit card to pay for transactions and is unable to perform transactions, it may also indicate that his or her credit card account will be subject to risk control by CMB, and the card is likely to be suspended later. use. China Merchants Bank cardholders are advised to maintain good card usage behavior and do not always swipe their cards during non-business hours of merchants.

3. You can get a credit card comprehensive score query report on WeChat, such as card review, which will provide analysis of your credit card consumption behavior and credit card transaction behavior. Only by identifying the cause of the disease can you prescribe the right medicine. Then take the initiative to explain to the bank that your credit card is used for normal consumption, and provide invoices, receipts and other consumption vouchers. If there is no voucher, you can think of some other reasons, such as being in a hurry and not having time to issue an invoice, or the merchant said what if If you don't need an invoice, you can get certain discounts, etc.