1. Restrictions on merchant types: China Merchants Bank will impose restrictions on certain types of merchants, such as wholesale, household appliances and furniture, and tourism, so as to reduce risks and control fraud. If your credit card is used for these restricted merchants, the transaction will be rejected or restricted.
2. Transaction amount limit: China Merchants Bank will set an amount limit for each transaction to protect the interests of cardholders. If the transaction amount of your wholesale merchant exceeds the limit set by the bank, the transaction will be rejected or restricted.
3. Bank risk assessment: The bank will conduct risk assessment based on the credit history, historical transaction records, risk factors and other factors of the cardholder, and restrict some transactions that may have risks. If your credit card is considered risky by the bank, it will lead to the rejection or restriction of wholesale business transactions.