This has no impact on credit cards, and as long as your transactions are legitimate, it will have no impact on you.

Non-counter bank cards can be operated and handled at the bank counter in person, but other channels such as online payment, ATM withdrawals, consumption card swiping, etc. cannot.

In addition, if anti-money laundering is triggered, it will be more troublesome. It depends on whether you can withdraw the money over the counter. If you can, you will feel at ease. If you cannot, it will be difficult.

1. Frequent transactions in and out of the account can easily be judged by the bank as having problems with the account. If it is a regular transaction, you can explain it clearly to the bank. If it is an abnormal transaction (virtual currency trading, online gambling, etc.), it is recommended to go to the counter as soon as possible. Take out the noodles.

2. Don’t panic if you encounter someone who is not at the counter for the first time. Just take your ID card and bank card to the nearest corresponding bank counter to withdraw money, and then cancel the account if possible.

3. China Merchants Bank, China Construction Bank, Shanghai Pudong Development Bank, and Bank of China are all easy to use over the counter, especially China Merchants Bank. Users should be particularly careful.

4. If your mortgage card is debited over the counter, don’t worry. This will not affect the bank’s normal deductions, as long as you save enough money.

5. It is said that the restriction can be unlocked in five years, but no one has relevant experience to talk about, so I cannot guarantee this.

6. Non-counter payment will affect the corresponding credit card, ranging from a reduction in the limit to a restriction in use.

7. Never gamble online again, and be extremely cautious in virtual currency transactions. There is too much black money. It is a small matter if it is not over the counter, but freezing is a big deal.

As for why the card is blocked, some card friends on the Internet have summarized the current cases of card blocking. The most likely reasons are as follows:

1. Use China Merchants Bank Deposit Card as the settlement card. Small amounts and high frequency transfers. Although debit cards and credit cards are two systems, they are the same bank after all. In addition, the risk control of China Merchants Bank debit cards is very strict. There are many cases where the risk control of China Merchants Bank debit cards has stopped non-counter transactions (that is, you can only go to the counter to handle business and withdraw money).

For example, this time, the credit cards blocked are almost all cardholders who use CMB cards as settlement cards, and even CMB debit cards have been stopped for non-counter transactions.

2. Trigger the anti-money laundering system. Yunjian's action was extremely powerful. In the context of tightened supervision and tightened policies, banks will inevitably take action to adapt to the situation.

3. Cash out in large amounts. The high-frequency cash flow of funds is too obvious.

4. Banks’ income has declined, and they have started to “increase revenue and reduce expenditure” from non-high-quality customers, and reallocated the withdrawal quota.

Finally, I would like to remind everyone that if you bind a China Merchants debit card as a settlement card, you should change it to another bank card as soon as possible. It is recommended that you change your settlement card to one of the four major banks.