Generally speaking, the so-called specific merchant restriction of Guangfa Credit Card is a risk control behavior of Guangfa Bank Credit Card, and its main purpose is to crack down on users who use hand brushes and POS machines to cash out.
Extended data:
Merchants within the specific merchant quota of Guangfa are mainly users who often swipe their cards at a merchant, or the merchant has been blacklisted by Guangfa Bank. The above two types of businesses may be limited. At this time, as long as the user confirms that his card status is normal and changes to a merchant's POS card, the restriction will probably be lifted.
If the merchant's consumption has been changed, but the limit has not been lifted, then it is a problem with the user's credit card, not the merchant.
After the CGB credit card is subject to the risk control limit, if the cardholder wants to cancel the transaction limit of a specific merchant, he must first understand the reason why the credit card is subject to the risk control limit.
If it is due to overdue risk control, it is mostly caused by personal credit damage. In this regard, customers should pay off overdue debts as soon as possible, and then take good care of their credit. Perhaps after three to six months, personal credit will be improved, and Guangfa Bank can lift the risk control, and the trading restrictions of specific merchants will naturally be solved.
If you are suspected of cashing out, you can provide details of recent card transactions to Guangfa Bank, which should be lifted after verification.
If the account risk rises because customers are not good at using cards, for example, they often swipe their cards in the early morning or in the middle of the night, always swipe their cards at the same merchant and POS machine, and always swipe their cards in large amounts. In the future, customers will pay attention to avoid this bad card use behavior, and then wait patiently for the risk control to pass, and then the transaction should be normal.
Of course, sometimes restricting transactions may only be the reason of the merchants. If the customer changes to a merchant and changes to a POS machine, there may be no problem.
How long will the quota of specific merchants in Guangfa be lifted?
If the merchant is blacklisted by Guangfa Bank, the user can immediately remove the restriction by replacing another merchant. However, the user's card status is not normal, so a credit card limit prompt appears. At this point, users need to take the initiative to apply to customer service for lifting the restrictions. According to different reasons, the time of lifting the ban is not necessarily. If it's fast, it can be lifted in a few working days.
Therefore, when users meet the quota of a specific merchant in Guangfa, they can first change to another merchant for consumption. As long as the consumption is successful, it proves that it is not a problem of your own card.