CITIC Credit Card Unblocking Technology: Teach You Step by Step

CITIC Bank’s risk control is relatively strict. If there is an overdue credit card or some illegal card use behavior during the use of the credit card, it is It's easy to get blocked. After many cardholders have their CITIC credit card blocked, they wonder what they need to do to unblock it. Here are some tips on how to unblock it.

First of all, after the CITIC Credit Card is blocked, check whether there is any outstanding balance as soon as possible. No matter what the reason is for blocking the card, you must pay off the outstanding balance immediately before unblocking. This allows the bank to Recognizing the cardholder's repayment ability will have certain benefits for unblocking.

Then, call the CITIC Bank credit card service hotline, transfer to manual customer service, ask the reason for the card being blocked, and then take countermeasures based on the reason for unblocking.

Generally, when CITIC credit cards are blocked, most of them are due to abnormal transactions detected by the bank's risk control system, such as large purchases in other places, card swiping times outside the merchant's normal business hours, etc. In this case, the bank customer service will ask for the consumption voucher of the transaction to confirm whether it is a normal transaction.

If it is a regular credit card payment, you only need to upload the credit card receipt and other vouchers. After the bank verifies that the transaction is normal, the credit card will be unblocked. And if you are cashing out and cannot provide consumption vouchers, you can try to find an excuse to say that the merchant has a discount and will not issue an invoice, and see if you can get the bank to relent. If the bank does not recognize it, then the possibility of unblocking will be relatively small.

In short, the CITIC credit card unblocking technology introduced above is only effective with a high probability, and cannot be 100% unblocked. If it cannot be unblocked, you should cancel it after paying off the outstanding balance, otherwise it will be considered unusable. As long as the card is still valid, there will be an annual fee, and forgetting to repay will also affect your credit.

CITIC Credit Card Card Closure Signs: Be wary when receiving such text messages

Since entering 2019, CITIC Bank’s risk control has not been tightened, and many cardholders’ credit cards have been We are not immune to the wave of card blocking. Although there are many card users who have not been blocked, if these signs appear when using the card, then the card is not far away. Let’s find out together.

Precursors of CITIC credit card blocking:

According to many cardholders, they received risk warning text messages from the bank before the credit card was blocked, and then the card was blocked not long after. . Especially after a large amount of consumption, the consumption amount is more than 2,000 yuan, and the text message comes immediately.

The content of this type of text message is that the status of the credit card is abnormal, please use the regular channels to make purchases, etc. Then the cardholder is required to submit the consumption voucher within a limited time. If the real and valid consumption voucher cannot be submitted, the card will be blocked immediately once the time is exceeded, without any room for return.

However, some cardholders said that asking cardholders to improve their consumption records is actually just an excuse. Regardless of whether you submit it or not, the result may be blocked. However, after submission, the card blocking time will be delayed a little longer. If a similar situation occurs next time, the card will be blocked directly. Especially for cardholders with high debt, the possibility of card blocking is more than 90%.

If cardholders do not want to have their cards blocked, they can make an installment payment immediately when they receive the text message, or pay off the bill in one lump sum immediately after shopping in an online mall. This may be effective. Of course, the most important thing is to form good habits in maintaining your card, outline some consumption portraits, diversify, and follow the rules such as making no more than three transactions a day. Only by using the card normally is the safest way.

The above is the relevant introduction to "CITIC Credit Card Blocking Signs", I hope it will be helpful to everyone. In short, if you receive a risky text message from CITIC Bank, indicating that the card status is abnormal, you should be careful. If you don’t want to have your card blocked, you must use your card well, repay on time, and try to avoid risk control.

How to repay the CITIC Credit Card after the card is blocked? Pay attention to these matters

Since entering 2019, China CITIC Bank’s risk control efforts have not been relaxed. Many cardholders’ credit cards have been blocked and they can no longer use their cards to make purchases. So, the CITIC credit card has been blocked. Do I still have to pay back if I can’t use the card? How to repay the loan? Let’s find out together below.

Do I still have to repay the CITIC Credit Card after the card is blocked?

This is for sure. Although the CITIC Credit Card has been blocked and the transaction function has been closed, the repayment entrance is still there. As long as the CITIC Credit Card has an outstanding balance of more than 10 yuan, it must be repaid. money. And this 10 yuan refers to the time difference of CITIC Credit Card.

If the repayment is not made within the stipulated time, the credit card will be overdue, which will bring a series of consequences to the cardholder, such as affecting the credit report, incurring high penalty interest and liquidated damages, etc. Everyone should know it, so I won’t go into details here.

How to repay the CITIC Credit Card after the card is blocked?

There are many repayment channels for CITIC Credit Card, such as inserting the card at an ATM machine to repay, or transferring money to repay. However, the credit card has been blocked and cannot be recognized in the ATM machine. It can only be transferred for repayment. You can transfer money through mobile banking and third-party payment platforms, but you need to enter the correct CITIC Credit and cardholder information.

Here we introduce the mobile banking and UnionPay QuickPass APP repayments of various banks. Not only can you repay for free, but the payment speed is also relatively fast. Usually, the payment will arrive within 2 hours after successful repayment.

The above is the relevant introduction to "How to repay the CITIC credit card after the card is blocked". I hope it will be helpful to everyone. In short, after the CITIC Credit Card is blocked, you still have to repay the debt. In addition to not inserting the card in the ATM machine to repay, there are still many repayment methods. If you want to repay for free, the payment will be fast, and various companies The bank’s mobile banking and UnionPay Cloud QuickPass APP are good choices.

CITIC Bank credit card blocking notification text message, there are these precursors!

I heard from many friends around me that they applied for a CITIC Bank credit card, but they saw the CITIC Bank credit card blocking notification text message, so I don’t know what happened, and I don’t know whether the text message is true or false. So, Let’s follow along and analyze it carefully.

CITIC Bank credit card blocking notification text message

The content of text messages sent by banks is generally divided into three categories: bulk, warning, and risk control. Among them, bulk text messages may be used for reminders. Card security, warning text messages may be due to the cardholder's card swiping problem. If the cardholder continues the current operation, the card may be blocked and the credit limit reduced. Risk control text messages will generally point out the clear object in the text message and explain Cardholders have corresponding problems with how to use the card, so it is recommended not to swipe large amounts at this time.

And generally speaking, receiving warning text messages will most likely lead to the risk of card blocking. Risk control text messages are expected to be derated, and may become overdue.

Generally speaking, the reasons why credit cards are blocked are as follows:

1. The credit card limit is used up at one time: after holding the card, the credit limit in the card is swiped all at once. If it is over, then the bank will think that there is a cash-out behavior, which will increase the risk of blocking the card.

2. Multiple overdue payments: If the cardholder is overdue multiple times or fails to pay the minimum repayment amount multiple times, the card may be blocked.

3. Large credit limit: It is recommended that the credit limit should not exceed 50% of the available limit in the card, otherwise the credit limit may be reduced or the card may be blocked.

4. Card use time: Usually the card use time is during the day. If it is in the middle of the night and the credit limit is large, it may be risk controlled by the bank.

Okay, that’s the answer to the question “CITIC Bank credit card blocking notification text message”, I hope it will be useful.

This concludes the introduction to the blocking of CITIC Credit Cards and how to unblock CITIC Credit Cards. Have you found the information you need?