How to maintain a card that is easily blocked and how to unblock it

It is difficult to raise the credit card limit if the credit limit is low. Improper use may result in the limit being reduced. What is even more terrifying is that the limit may be reduced. Blocked! So, under what circumstances will the bank suspect abnormal use? What situations should be avoided in the process of maintaining a card so as not to be risk-controlled by the bank?

Banks specialize in such people:

1. People who use credit cards to do business turnover

After receiving credit cards, small and micro business owners can easily When doing business with credit cards, such as swiping credit cards to purchase goods, etc., transactions are usually done at POS machines such as wholesale and building materials, and most of them are large transactions. Such POS transactions are not welcomed by banks. If you use the card like this for a long time, you will easily be risk controlled by the bank.

2. People suspected of TX behavior

The amount of a single credit card swipe is more than 90% of the credit card limit, or the consumption amount is all swiped in integers. This is obviously in TX; the time of swiping the card is You may also be suspected during non-business hours. For example, at 10 o'clock in the evening, you go to the supermarket and other merchants to spend tens of thousands of yuan.

There are also suspicious points on the POS side. For example, if the same POS machine is used for a long time, or the same card has transactions on two or more terminals within 30 minutes, it may be considered It is an abnormal use of the card.

3. People with past due repayment records

People with bad credit records usually have past due repayment records. Such people are easily risk controlled by banks. , although you hold a credit card, there is a high possibility of being risk-controlled by the bank. Only by insisting on swiping the card and eliminating bad credit records can the risk be eliminated.

What should I do if my credit card is blocked?

If your credit card is blocked, be sure to call the customer service of the card-issuing bank as soon as possible to find out what caused the card blocking.

If the credit card is overdue or illegal, the possibility of the credit card being unblocked is not very high; but if the bank believes that your credit card is at risk, then you can ask the bank to reissue it for you. New card.

This is how it is safe to maintain a card:

1. For safety reasons, single transactions should be controlled within 30,000 yuan, and single-day transactions should be controlled within 100,000 yuan (more than 100,000 yuan are easily subject to supervision);

2. When swiping the card, round it up to zero. For example, if you swipe 1W, you can swipe it into 9950 or 10150 (normal transactions rarely have the right integer);

3. The credit card limit exceeds 1W, each swipe of the card should be controlled within 60%. Do not swipe the card on the same machine on the same day. Spread the swipe on several days or machines;

4. Swipe the card during business hours, usually 9 a.m. to 8:30 p.m., please do not swipe your card during the rest of the time (non-business hours are dangerous periods);

5. Do not swipe the same credit card more than twice on the same machine in one day. There needs to be an interval of 5 minutes, and the same credit card should not be swiped at the same machine more than 3 times within a week.

Follow this method to maintain your card, and the card manager will ensure that your card will not be blocked and that your credit limit will be increased instead!

Analysis of reasons for blocking bank credit cards

Recently, I have seen card friends complain about the blocking of Guangfa Bank’s credit cards. With the continuous establishment and improvement of the credit society, credit cards have become a part of many people’s lives. essential items. So did you know that your credit card may also be unilaterally blocked by the bank? In fact, as long as it is a credit card, there is a possibility of card blocking. The bank can unilaterally stop the use of the cardholder's credit card without notifying the cardholder, which is what we call card blocking. Now we will introduce to you the circumstances under which your card will be blocked by the issuing bank.

Those who submit information through an intermediary will be blocked directly if there is any suspicion of fraud.

If you repeatedly swipe the card at the same POS machine for several months in a row, and then swipe it out at the POS machine just after paying off the payment, it is easy for the bank to regard it as cashing out the credit card, and of course it is also the type of card that will be blocked.

If the same card has the entire limit on the same POS machine on a fixed date every month, it will seriously occupy bank funds.

There are transactions beyond normal business hours. For example, merchants in the wholesale market have transactions after get off work hours.

In a short period of time, Alipay was used too much for payment. For example, CITIC’s maximum single payment was 1,000, and multiple payments were 998, 995, 899, 999 and other similar numbers.

The credit card has been in a state of being empty for a long time. For example, if the repayment date is entered in round numbers within a short period of time, the round figures come out, and there is no record of card swiping at other times or less than 2 transactions. The background system can detect this for several months. Arrived. Frequent swiping of your own credit card using your own POS machine can also be detected.

Integer single transactions, such as 100000, 100050, 200040, 9998, are all suspected of cashing out. The same card has transactions on two or more terminals within 30 minutes, regardless of success or failure, including balance check.

For more than one period of overdue credit card payments, when the cardholder is overdue multiple times or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior, and the bank will not only block the card, but also block the card. The cardholder will also be included in the bank's blacklist.

Personal experience of unblocking CITIC cards

Everyone knows that in the card industry, CITIC and Communications have the strictest risk control.

Today we will talk about the unblocking of CITIC Card.

I called customer service the night before and told them that I can use credit cards for online shopping, or full cash payment, but I can’t use POS. I said that I have appeared at wholesale merchants. At this time, you have to ask the customer service when the payment is made. Instead of asking whether the merchant has a capped POS, you also need to ask the customer service. If you could swipe a card when decorating your house, would you pay cash? Even if they appear at the same merchant, can you buy all the materials if you buy them once?

At this time, he will also suggest that you cancel the card. You tell him you are angry and ask her to call the supervisor on duty.

After receiving the call, you told me that all your purchases were personal expenses, and then asked the customer service supervisor why he always received calls for credit card insurance, and how did he know your phone number, name, ID number, and credit card? No. You just used a credit card, and you signed a credit card contract, not an insurance contract. The bank is defrauding customers (you must be very angry about this), and you need to be held accountable. Secondly, there are always installment calls coming in. , just say that you don’t want to do it and feel that the handling fee is inappropriate, and then the credit card center blocks the card in retaliation. Anyway, it is the fault of various banks, leaving her speechless. In the end, my CITIC card was successfully unblocked and I did not spend any money. The limit is what I called yesterday and told me to use the card carefully in the future.

Key points for unblocking:

1. Remember to be angry;

2. Use your credit card insurance to speak out and insist on accountability. This place The bank handles losses (this is very important)

3. Make a few more phone calls and get more angry every time. I think other banks can try this too.

The last thing I want to say is that if you really don’t understand the situation and the bank calls you and says that your transaction is risky and the card is blocked, you can try the above method. If you are really malicious, you will succeed. The rate is not high. Some people often swipe by hand to make all kinds of fluctuations. Card blocking is inevitable. Remember, after swiping the cap or swiping by hand, the best way is to make installments immediately, so that the bank can make money. , there is not much to say. Prevention of blocking is often the most important task. Specifically, we will tell you how to prevent credit cards from being blocked, so as to nip it in the bud. We will tell you when we have time.