What is a credit card black room?

The black room means that you have committed irregularities in the process of using the card or the risk is too great and has exceeded the bank's tolerable range, thus excluding you from the whitelist for recent credit increases, resulting in denial of credit. Increase the amount.

Serious black rooms may also result in the inability to apply for cash installments, bank loans, etc. To put it simply, you used your credit card in the wrong way, and the bank found out, so it won't give you a credit limit increase.

The following methods are very likely to be shut down by banks:

1. Cash out with credit cards

Credit cards were originally intended only for consumption, but now more and more people They are all used for cashing out. Who doesn’t have a few POS machines at hand? Cashing out harms the interests of the bank, so the bank will crack down on you.

2. Long-term consumption in industries that do not count points

Credit cards can only be used for personal life consumption and cannot be used for investment and business consumption. For cardholders who have long-term investment and business (such as wholesale Consumption in non-point-based industries such as consumer goods, real estate, etc. violates the bank’s original intention of issuing cards and disrupts the market economy.

3. Low activity and infrequent credit card swiping

The bank’s favorite bill flow is multiple small purchases every month, repayment in time before the bill date, and occasional installments . And for those who have applied for a card but haven't used it for a long time, or whose activity is very low, they will slowly help you reduce your credit limit and put you in a dark room. If you don't ask me to borrow money, why should I keep it with you?

4. Overdue

If there are too many overdue payments, it means that this person often does not keep his word. Then my bank can no longer lend you money. What if one day you don’t What else should I do? If I am not a bad debtor, I might as well drag you into the dark room.

5. There are many credit cards and the comprehensive credit limit has been reached

The cardholder has applied for many cards at the card-issuing bank and other banks, and the total amount of all the cards added together is Comprehensive credit is already very high and has reached the upper limit of risks that banks can bear.

Generally, the credit limit of ordinary people in banks is about 300,000. If several credit cards exceed this amount, applications for credit cards from other banks will basically be rejected.

6. High debt ratio

The debt ratio (used limit/credit limit*100%) of multiple credit cards under the cardholder’s name reaches more than 80%, and the amount owed is It is also relatively large, and it is impossible to increase the limit for such high-risk customers.

7. Repayment method

Repaying with the minimum repayment amount for a long time will make the bank doubt the cardholder's repayment ability, which will naturally make it difficult to increase the amount.

If you are accidentally locked in a dark room one day, how do you get out?

1. Stop cashing out points.

2. Diversify your card consumption, and spend more on personal life expenses.

3. You can participate in more market activities carried out by banks, use more cards, and increase user activity.

4. Repay your debt on time and accumulate good personal credit.

5. For some cards that you do not use or use frequently, you can choose to cancel them and keep them while still occupying your comprehensive credit limit.

6. Clear out debts and keep the debt ratio of each card at least below 30% through repayment.

7. Occasionally apply for installment repayment, let the bank earn some handling fees, and let the bank see your sincerity.