Credit card suspension is not controlled by the bank manually, but by setting up the system. Credit card suspension is the risk department of the bank and an important department of the bank.

Wait for the risk control until the card stops.

Once you find that your credit card has been deactivated, the quickest solution is to call the manual customer service phone of the issuing bank, who will check the data and tell you if it is possible to restore it.

The reason why the credit card stopped.

1. Overdue repayment: If the cardholder is overdue in the process of using the credit card, the bank will control the credit card. Although the card may not be sealed directly, it will also freeze your credit card use right. At that time, even if there is a limit in the credit card, it will not be available.

2. Illegal sending

The bank will manage the credit card irregularly after lending, and compare the cardholder's credit card time, amount and merchant type according to the previous card use behavior. If it finds that the transaction behavior is abnormal, such as frequently swiping the card during abnormal business hours, and the amount of swiping the card is not equal to the merchant type, then it will suspend the use of the credit card.

3. Transaction risk: In the Internet age, credit cards were stolen and personal information was leaked everywhere. If the issuing bank detects the abnormal transaction of this credit card through the risk control system, such as one-time empty card or off-site transaction, the bank will temporarily freeze the credit card in order to protect the cardholder's information and property.

Why do credit cards need post-loan management?

As long as any credit business is handled, post-loan management can be carried out. Credit business can not only refer to loans, but also include our commonly used credit cards.

Therefore, if there is no loan and there is post-loan management, it must be because there is a credit card.

From the date of opening the credit card account to the date of closing the credit card account, the bank also conducts post-loan management from time to time to understand the credit, solvency and liabilities of the cardholder.

Under what circumstances will post-loan management be carried out?

After the credit card is issued, the post-loan management time of the bank is uncertain. In addition to routine risk investigation every few months, some card-using behaviors of cardholders will also allow banks to conduct post-loan management.

For example, like credit card withdrawal and installment, some banks need to inquire about credit information because of post-loan management. In addition, if the cardholder has abnormal card use behavior, such as frequent access or repayment on behalf of others, and the risk is monitored by the system, the bank will conduct post-loan management to understand the cardholder's current credit status.

What's the impact?

Post-loan management is a neutral inquiry and will not have any influence.

However, there are also some cardholders whose credit cards have been reduced or blocked after bank loan management. This can't be blamed on post-loan management, but banks will take measures to stop losses when they find that the cardholder's loan risk is high in the post-loan management process.

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.

How often do credit cards (debit cards) check post-loan management?

Credit cards (debit cards) are generally managed after 1-3 months. Post-lending management of credit cards (debit cards) is generally automatically inquired by the banking system, and is generally inquired once every 1-3 months. However, if users have bad credit card records (such as overdue credit cards, installment of credit card bills, and sudden large overdraft of credit cards), banks may conduct high-frequency post-loan management for users in a short time.

Normal credit card (credit card) post-lending management will not affect users' credit information, but post-lending management caused by bad card use habits may affect credit information.

Why does the credit report show post-loan management for 20 times? The number of times is related to these!

Post-loan management is an important means for banks to prevent and control risks. As long as there is a credit business in the bank, they will leave a message and authorize the bank to check your credit information. Banks will check users' credit information from time to time, and if there is any abnormality, they may take measures such as reducing the amount, freezing and hacking. Some users said, why did their credit information show 20 post-loan management? Does it affect credit?

First, the time of post-loan management

There is no strict frequency limit for banks to carry out post-loan management, and most of them are determined according to their own risk control model, which is also related to the risk level of users.

1. If the bank's risk control model thinks that customers are unstable, such as users with full regular lines and frequent loans, they may check once a month or once a month, and the line will be reduced.

2. If the loan or credit card is used for a long time and the number of times of using the credit line is less, it is ok to check it once a year.

3. Similar customers between the above two categories may have the possibility of doing post-loan credit investigation for two months to six months.

4. Many people want to know whether the post-loan management query is automatic or manual. In fact, the system automatically filters it. Now it is intelligent, and the system will automatically identify the personal risk control data in the system, resulting in different consequences.

Second, the credit report shows that the management after 20 times loan is serious?

Nothing serious. Post-loan management of banks has little influence on credit reporting, which is basically irrelevant. The number of inquiries is related to your financial business, personal credit status, account activity, bank risk control and other factors, so you don't need to worry too much. As long as there is no overdue or other default, it will not affect the subsequent loan application and card application.