Credit card repayment has an excess balance, and the bank says one card.

A number of banks "shot" to rectify violations

"The credit card is controlled and cannot be repaid. You need to go to the counter to understand stamps. " "My credit card and savings card have been blocked, and I need to go to the counter to unseal them, and I have to pay off all my debts at one time." Recently, many cardholders posted on social platforms that their credit cards were controlled by the issuing bank and could not be swiped.

Judging from the screenshot information exposed by many cardholders, they all received the notice of credit card repayment failure from the bank. The reason for the failure of repayment is "this card does not support repayment". The repayment amount and handling fee amount are expected to be returned within 3 working days, and the cardholder needs to repay through other repayment channels.

Cardholders have different opinions about the reasons for the sudden control of credit cards. Some cardholders think that the frequency and amount of credit card swiping during daily consumption may lead to the control of credit cards, while others say that credit cards may be blocked due to repayment methods.

ICBC is not the only bank that "actively" rectifies the phenomenon of illegal repayment. Recently, China Everbright Bank also gave a risk warning to credit card holders who have repayment behavior. According to the customer service staff of the bank, Everbright Bank will give risk warnings to cardholders who have been repaid by others in historical transactions, and make different treatments according to the cardholder's transaction and repayment. If the violation is serious, the card will be blocked, and if it is not serious, the points will be reduced. The customer service staff of CITIC Bank also said that after monitoring, if the non-personal repayment is more, the cardholder will be sent a text message to remind him to use the card in a standardized way. If there is still no improvement in the follow-up, they will take measures such as credit card reduction to ensure the safety of credit cards.

If the platform violates the rules, it will be downgraded and blocked.

Credit card repayment refers to the way that when the last repayment date of the cardholder's credit card expires, but I can't repay it in full at the moment, and the minimum repayment has to pay high interest, in order to maintain a good credit record, I can entrust someone else to repay it, and then brush out the repayment amount in the form of credit card consumption and return the funds to the repayment helper.

Credit card repayment is essentially like credit card cashing, which is commonly known as "card matching" in the industry. "There will be cases where the cardholder borrows money to repay the loan on the billing date and does not repay it." For example, a person from the credit card center of a joint-stock bank said, "Banks can monitor the capital flow of cardholders, and it is difficult for funds to turn around. Occasionally, one or two relatives and friends will return to the times. Banks generally don't seal cards. However, if 12 bills are returned by others within one year, this behavior is abnormal, and the bank will reduce the amount or seal the card during monitoring. "

Another person from the credit card center of a joint-stock bank mentioned that it is possible to monitor how the cardholder's funds are metallic, and the funds for subsequent consumption flow to the bank. Banks do not allow cardholders to repay through the repayment platform, and such behavior will be disposed of once it is monitored. The monitoring situation of each customer is different, and the disposal time is also different. Some customers' credit cards are downgraded after about 2-3 months of use, while others are more than half a year.

Su, a senior analyst in the financial industry of Analysys, said that from the cardholder's point of view, repayment through such repayment platforms may have the risk of personal privacy information leakage. Recently, due to the epidemic prevention and control, some cardholders' repayment pressure has increased, resulting in an increase in demand. The agency repayment business has existed for a long time and has formed some mature chains. It is suggested that cardholders should be alert to such platforms and avoid falling into the debt trap of "repaying loans with loans".

Cardholders should be alert to risks such as account theft.

Later, on June 20 19, 1 1, UnionPay issued the Notice on Carrying out the Special Work of Regulating the Illegal Repayment of Credit Cards by Bill Acquirers to characterize the illegal repayment of credit cards. The characteristics of illegal credit card repayment include, but are not limited to, specific purposes, using mobile payment app with time difference between credit card billing date and repayment date, illegally storing key information paid by cardholders, initiating fictitious transactions, and using credit card account information for illegal repayment.

For cardholders, although this repayment behavior can solve the temporary capital demand, it is also easy to fall into the strange circle of "supporting loans with loans", which further worsens the cardholder's debt. From the bank's point of view, returning credit cards on behalf of banks "whitewashes" the true overdue rate of credit cards to some extent, which will bring certain obstacles to banks to control credit card risks.

As Wang Pengbo said, "Cardholders should spend as rationally as possible and don't make overdue advances. When using a credit card, you should live within your means, spend moderately, and consider your personal repayment ability. "

"Credit card violations will first bring risks to cardholders, including the risk of security theft of cardholders' accounts and the risk of personal privacy information being leaked." According to Su, the second risk is brought to the issuing bank. Illegal repayment of credit cards also has the characteristics of borrowing new and returning old, rolling around. By delaying the bill, the real credit situation of the cardholder is buried, which makes the risk accumulate and intensify in the continuous delay.