1. After checking, it is found that the credit card has a limit but cannot be used for credit card consumption. For example, the prompt transaction on the POS machine is limited, or the credit card payment method cannot be used when scanning the code;

2. The cardholder received a short message from the bank, prompting that the credit card has risky transactions in the near future;

3. The status of the credit card is abnormal, such as the credit limit is reduced, which meets the staging conditions, but it cannot be staged, and the card is blocked and payment is stopped for several months.