1. What behavior will cause the credit card to be blocked?
The credit card was blocked, which is a tough measure taken by the bank. When the user's overdue amount is large, the overdue time is long, the bank's collection attitude is bad, and the debt is owed maliciously, the bank will seal the user's credit card, and the user can no longer use the credit card for consumption.
2. What should I do if my credit card is blocked?
If the credit card is blocked, you can take the initiative to contact the bank staff, pay the arrears and penalty interest, and ask the customer service if it can be unblocked. If the overdue behavior of the user is not serious, and the user has a good attitude and a strong willingness to repay, it can be unsealed according to bank regulations. After unsealing, the user can continue to use the credit card without affecting the credit investigation.
Third, credit card cashing risk.
When using a credit card, if there are multiple cashing behaviors, such as large consumption in a short period of time, integer consumption, frequent consumption during non-business hours, etc., it may be considered as cashing behavior by the bank. After being discovered by the bank's risk control system, there will be a prompt SMS notification to inform the user that the credit card swiping behavior is risky and the credit card will be blocked.
Therefore, when users use credit cards, they should keep good behavior and don't often go to pos machines to swipe their cards, which will lead to increased account risks. After spending by credit card, you must repay on time to avoid overdue. Although the cashing behavior will not be reported to the credit information system, it will affect the user's personal credit and be blacklisted, resulting in the user being rejected when applying for a credit card again.