Will China Merchants Bank be blocked when it enters Daikokuya?

If the user has entered China Merchants Bank Daikokuya, and the illegal use of the card has not passed the audit or the overdue debt has not been settled, it may lead to card blocking. However, users only enter Daikokuya due to high debt ratio. As long as part or all of the debts are settled and the debts return to normal, they will naturally come out of Daikokuya. This situation will not be blocked.

For users, joining Daikokuya of China Merchants Bank is more or less caused by the nonstandard use of their cards. Users must pay attention to repayment on time when using their cards.

What does China Merchants Bank's little black room mean, and what does China Merchants Bank's Daikokuya mean?

1. In terms of functions, China Merchants Bank's little black room mainly restricts the functions of China Merchants Bank's credit card bill installment and pocket cash withdrawal, but does not support e-lending; China Merchants Bank Daikokuya will limit its cash installment and cannot adjust the temporary and fixed quotas.

2. Severity: Only part of the functions of China Merchants Bank Black House are limited, which has little impact on the use. As long as you keep good card habits, you can recover in a short time; The fewer functions of China Merchants Bank Daikokuya, the more serious it is, and it may even lead to its unavailability.

3. The difference between China Merchants Bank's little black house and Daikokuya is that the little black house mainly restricts cash installment and cannot adjust temporary and fixed quotas.

4. If you can't tell the difference between China Merchants Bank Daikokuya and Xiaoheiwu, you can use this as a basis for judgment.

To solve the "dark room" of credit cards, you have to use the card in this way if you want to increase the amount.

Many people know that China Merchants Bank has a "dark room" and a "Daikokuya" for credit cards, but in fact, all credit cards have so-called "dark rooms", which are only easy to distinguish from China Merchants Bank.

If China Merchants Bank's credit card cannot be divided into installments, it will be in the "Daikokuya", and if it has not been extended and temporarily limited for a long time, it will be in the "little black room". Most banks, without Daikokuya, will not be restricted because staging is also a way to generate income.

it's normal for credit cards not to raise the amount, but if they don't raise the amount for a long time (more than two years), you should consider whether they have entered the "dark room" of the bank.

Generally speaking, it is easy to enter the "little black room" of the bank in the following situations

1. Receive a reminder message of the bank's standard card. (I have entered the dark room)

2. Cash installment of credit cards.

3. The card has been empty for a long time, and the debt ratio after loan management is over 7%.

4. Cash by credit card, especially for merchants who spend by credit card or have no points.

If you have entered the "little dark room", don't panic. Check what kind of situation it is first, and then use my following method to get out of the "dark room" quickly.

in the second case, you will enter the dark room for a while, but not for a long time, and you will come out when the time comes.

in the third case, it is suggested that credit cards should be selectively divided into stages, because the PBOC collects credit according to the bill amount reported by credit cards, and the repayment amount in each stage is smaller after the division, which means the debt ratio is lower.

For the fourth situation, let's take a look at the table below.

The third-party payment acquirer corresponding to the bank in the table above has no points. The announcement issued by Huishang Bank only this month will take effect on July 1.

if the holder of the above corresponding bank credit card is using a brand machine without points and has not given a credit line for a long time, he can consider changing to another brand and changing the habit and method of using the card.

after finding the reason for entering the dark room and avoiding it, let's talk about how to get out of the dark room.

the logic of going out of the dark room is simple, that is, to contribute to the bank.

option 1: by stages! As we all know, you can participate in bank activities by stages. Generally, bank activities are 5-9% off, which can be divided into three or six stages. If the stage is too long, one is the high cost, and the other is that some banks will question the repayment ability, but after attracting investment and expanding into Daikokuya, they can't be divided into stages, so the following measures are needed.

option 2: cash withdrawal! Many people will ignore this, but it's really a good way to break into a dark room. You don't have to take too much for cash withdrawal, just 2 (PS: most older ATM machines take 2 at most). You can just take the first-phase bill two or three times according to the situation. You don't have to wait until the bill comes out after you take it out, and the bill is returned in advance.

option 3: buy the goods in the staging mall! Don't think it's more expensive to buy goods in installment malls. Some popular digital products just came out soon. With its brand channels, bank installment malls are often in stock, and they are interest-free, so it won't be more expensive, but please buy them on demand. Just buy some goods according to your current needs, and the difference is not big.

in addition to the above methods, you can also contribute by purchasing the wealth management products of the bank, but this is not cost-effective for most cardholders who have already entered the dark room, so you can decide according to your own situation.

With the above method, you can go out of the dark room after two or three installments of bills. I know that Daikokuya, which attracts investment, will go out in the fastest half month.

after going out of the dark room, pay attention to using the card, and you can withdraw the amount after 3-6 bills.

can I go out of the dark room if I want to get a new card?

No.

You can get out of Daikokuya by raising a card:

1. Pay off the bill in advance every month. Cardholders can pay off this month's money before the monthly bill is issued, and try their best to pay back in advance, so that their personal credit record will be better.

2. In consumption abroad, cardholders can call China Merchants Bank's credit card customer service hotline to explain that they have plans to spend abroad in the near future and have a large consumption demand, and apply for an amount increase. Generally, cardholders will agree to raise the amount if they are in good condition with their cards, so that they can leave Daikokuya quickly.

3. Log in to China Merchants Bank Online Banking Professional Edition. It is understood that the ban can be lifted through China Merchants Bank Online Banking Professional Edition. Some card friends have actually measured that the online banking professional edition of China Merchants Bank is different from the regular edition. Card friends can try the online banking professional edition.

Will the temporary credit line of China Merchants Bank enter Daikokuya if it becomes negative when it expires?

Credit cards have fixed and temporary credit lines, and when the temporary credit line expires, a negative number will be displayed.

for example, the fixed quota is 5K, and the temporary quota is 2K. When the temporary quota expires this month, you use the temporary quota 1K. At this time, the 1K you use will be temporarily transferred to the fixed quota, but your fixed quota has been consumed, and there is no way to deduct it, so it can only be displayed as a negative number.

so the negative number has nothing to do with the dark house, as long as it can be repaid in full.

Of course, if the repayment is not made in time, it will be controlled by the wind, and then put into a dark room. There is no dark room for attracting investment, and it is basically Daikokuya.

In fact, the dark room is a trivial matter, and the biggest problem is the impact on credit reporting.

so you are only negative, but you can repay, it doesn't matter, just repay normally.

how does China merchants credit card (debit card) count as a dark room?

The dark room of China Merchants Bank actually refers to the risk control system of China Merchants Bank. If the cardholder uses the card improperly, it will be subject to risk control by the bank, so some rights and interests will not be enjoyed.

It is understood that the dark room of China Merchants Bank is divided into Daikokuya and Little Black Room, which are mainly determined according to the risk control grades. At present, China Merchants Bank has four grades of risk control, and the rights and interests of different grades that have been cancelled are different:

1. If the debt ratio is too high, it is impossible to handle cash installment, which means entering the little black room;

2. If the credit card (debit card) is found to be in an abnormal state by the bank, it is impossible to increase the line. This is also a dark room;

3. Because the withdrawal of cash is controlled by the wind, the temporary quota is gone, and the fixed quota cannot be increased. This is Daikokuya;

4. There is a serious violation of regulations. In this case, except for credit card (debit card) and repayment, other rights and interests can not be enjoyed. This is the most serious Daikokuya.

So much for the introduction of China Merchants Credit Card into Daikokuya.