In the past two days, some netizens posted on the credit card forum that their industrial and commercial credit cards had been "stopped" by the bank. As soon as he paid back a sum of money, his credit card was immediately frozen and the limit was directly reduced to "0". The bank did not give any explanation, which made him quite depressed. This post has been posted, and many netizens have commented in agreement, saying that they have also suffered card freezes and deratings for unknown reasons.

After "visiting" several credit card forums, judging from the "visit" data, there are quite a few cardholders who have encountered this kind of thing. Moreover, most of the incidents of payment stops, card freezes, and credit reductions occurred concentrated on these three banks.

Bank of Communications

Bank of Communications credit card users said that they also received a warning message from Bank of Communications; the message stated: "Bank of Communications cards can only be used for personal daily consumption or through ATMs, Withdraw cash at the bank counter. Cardholders need to regulate their card usage and pay attention to collecting and retaining recent invoices and purchase orders in order to check the transaction status.

Although, the Bank of Communications has only issued an early warning and has not issued any direct warning. Card users are "out of money". However, this warning message also tells users that they may conduct a large-scale census in the future, and it is time for users who have used sensitive cards to stop.

Minsheng Bank

Many Minsheng Bank credit card users also said that they have also received text messages from Minsheng Bank, saying that the card users’ card usage has violated the regulations on the use of credit card overdrafts, and has now been terminated. The RMB overdraft consumption function of his credit card will be turned off. However, other card usage activities such as foreign currency consumption, overpayment consumption, repayment, cash withdrawal, and installment application will not be affected.

ICBC

Some netizens posted that they had just repaid RMB 5,000 for their ICBC credit card, but they received a message from ICBC: "Our bank will proactively reduce the credit limit to 15,000 yuan (RMB) for your credit card with the last number 1196." information; and did not give any other explanation or reason for the reduction, and also asked the user to consult their official customer service through text messages.

This netizen said that he was using his credit card normally, and since it was not overdue, I didn’t cash out, but my ICBC credit card that I used regularly was inexplicably reduced, which is really incomprehensible. In addition, some netizens reported that a large number of credit cards were delimited in Suzhou, and he and his friends were among them.

As a result of these events, banks have adjusted their credit card protection rules, and the protection has turned to jewelry, real estate, machinery and electrical appliances merchants. These bills show that monthly purchases of jewelry, houses and home appliances have been. Locked in by risk control, many Internet users in major credit card forums said that they were under risk control.