Among them, when I saw two sentences like "online W card debt and online loan", B replied "Hang in there, it will come to an end!" B's reply seems to be an encouragement and comfort, but I always have a feeling that if I continue, it will become 1W W.
whether you are the former or the latter in the forum, you will inevitably be locked into a dark room by the bank in the process of using credit cards (debit cards), but you haven't discovered it yet. In order to make card friends have a clearer understanding of their credit card (debit card) status, they should first know whether their credit card (debit card) is in a dark room.
Shanghai Pudong Development Bank: If it has not been withdrawn for more than 2 years, it will pay universal money into the Pudong Development Credit Card (debit card), and the amount you can apply for with the borrowed money is only half of the fixed amount, which is basically a dark room;
guangfa bank: without financial resources, the bill can't be paid in installments, and there is no temporary limit. The application for the second card is rejected every second, and there can't be a large consumption of more than 5, yuan, which is a proper dark house;
China Merchants Bank: When you enter the Pocket Life APP, you can't handle temporary deposit, no fixed deposit, installment of bills, e-loan, and cash installment. This is a typical Daikokuya;
bank of communications: if the bank's quota has been lowered, it will basically go into a dark room. Pay the bill at Bank of Communications, find the paying alliance, and check the character index. Generally, the character index of the black house has been controlled below 6 by the system for a long time;
Agricultural Bank: In fact, the same is true for Agricultural Bank of China. Click on the column of line adjustment and reference line in mobile banking, and it is good to have the line displayed. If not, it is a dark room.
Bank of China: The temporary quota is a sign of it. It depends directly on whether there is a temporary quota, because the temporary quota of Bank of China is available 365 days a year. If the temporary quota cannot be raised, it will be a dark house;
ICBC: When operating online banking or mobile banking, whether it is fixed or temporary, the maximum line displayed is consistent with your current line, and you can't increase it by one point, so you should pay more attention to it yourself. ;
Minsheng bank: the fixed and temporary quotas have not been increased within one year, and there is no additional cash installment quota. If there is, it will not be counted as a dark room;
China CITIC Bank: If there has been no temporary quota and there is no "dream-fulfilling fund", this is a typical feature of a dark house. If it cannot be phased, it cannot be spent in large quantities, or even if it exceeds 1, it will be a typical Daikokuya, and the card will be closed every minute.
The dark room we often talk about is actually the sensitive risk control system of China Merchants Bank. Because of your improper operation, you were put on the key monitoring list by China Merchants Bank, and some of your rights were cancelled.
This risk control system is divided into four grades. The first grade is that the debt ratio is too high and the cash installment is cancelled. The second gear is abnormal card use, and the withdrawal is cancelled; The third gear is that there is a slight violation of the rules, and the temporary quota is cancelled; The fourth gear is that there are serious violations, and all rights and interests except swiping the card are cancelled. The third and fourth gears in the base are the so-called Daikokuya.
As long as ordinary people don't talk about their current behavior crazily, banks rarely "lock their gods" in a small black room. Instead, they encourage people to use more cards and installment through a series of preferential activities. Therefore, credit cards (debit cards) can still be used with confidence.
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