Will you be notified when your credit card is blocked? Avoid these pitfalls of card blocking

During the process of using credit cards, some friends will encounter situations where their credit cards are blocked. The credit card is blocked. Will you be notified? And what might be the reasons for a blocked credit card?

Generally speaking, after a credit card is blocked, the bank will notify you via text message. For example, China Merchants Bank. Card friends also need to look at what causes card blocking to avoid these pitfalls.

1. Improper card application channels: If you apply through an intermediary or a card agent, some of your personal data and personal information may be exaggerated or filled in falsely. Even if the bank successfully issues the card to you, the use process will not be complete. As long as there is any suspicion, the card will be blocked directly.

2. Improper card swiping transactions at the POS machine: Repeated operations at the same POS machine for several months; if the credit card limit is 20,000, after getting the card activated, in order to increase the limit as soon as possible, immediately use the POS machine once If the same card is swiped on the same low-rate POS machine on a fixed date every month, it will occupy bank funds, etc., which will cause the card to be blocked.

3. The transaction amount is questionable: Alipay is used too much for payment in a short period of time. For example, CITIC’s maximum single transaction is 1,000, and multiple transactions are 998, 995, 899, 999 and other similar numbers. Or the transaction amounts swiped are all integers, such as 10,000, 50,000, 100,050, etc., which can easily arouse the suspicion of the bank. For a long time, the account will be frozen, or the card will be blocked directly.

4. The transaction time is questionable: there are transactions beyond normal business hours, for example, merchants in the wholesale market have transactions after get off work; the same card has transactions on two or more terminals within 30 minutes, Regardless of success or failure, including checking the balance.

Will I be notified if my credit card is blocked? How to repay if the card is blocked?

Credit cards are familiar to everyone. Nowadays, everyone is accustomed to using credit cards for shopping, but everyone must be careful when using the card. If you use the card improperly, it is easy to cause problems. Card sealed. So, will I be notified if my credit card is blocked? How can I pay back my credit card if it is blocked? Let’s answer it for you today.

Will I be notified if my credit card is blocked?

If your credit card has been blocked, the bank will usually notify you, usually by text message. The text message will probably be something like "Your credit card with the last number xxxx has been suspended by our bank's credit card center due to xxxx reasons."

Precursors of credit card blocking

1. Bank risk control text messages

When you receive a message from the bank to remind you to use the card properly, otherwise it is very likely that the card will be blocked. When sending text messages for risk control, you need to pay attention, as this may be a precursor to blocking your credit card. If you don't use the card properly, the bank may block the card.

2. Bank phone reminder

Sometimes you may receive a call from the bank when using the card, and the customer service staff may ask you some questions, such as whether you are I swipe the card, or directly remind you that there may be something wrong with your credit card. A situation like this is also a precursor to your credit card being blocked.

How to repay the credit card if it is blocked?

In fact, having your credit card blocked will not affect your credit card repayments. Because after the credit card is blocked, you can only make payments, but you can still make payments.

So just follow the same method as you used to repay. Online banking, credit card APP or bank phone number can all be used for repayment.

The above is the answer to "Will you be notified if your credit card is blocked? How to repay if the card is blocked?" There will usually be a notification when a credit card is blocked, and the notification will basically appear in the form of a text message. There are usually warning signs before a credit card is blocked, so everyone should pay more attention. When your credit card is blocked, the card can still be credited, so you can still make repayments normally.

Will I be notified if my credit card (credit card) is blocked?

When a credit card (debit card) is blocked, the bank will usually notify the cardholder by phone or text message.

The credit card (credit card) is blocked, and the bank notification text message is usually "Your credit card (credit card) with the last number xxxx has been blocked by our bank's credit card (credit card) center due to xxxx reasons" Card suspension processing.

"After a credit card (debit card) is blocked, cardholders should actively take rescue measures, especially if the card is blocked overdue, they should pay off the debt as soon as possible and actively contact the bank to apply for lifting the block.

In addition, if the credit card (debit card) is blocked without notification, the cardholder can also proactively contact the bank to inquire about the reason and how to remove the block.

Chinese Merchants Bank’s warning signs of credit card blocking

China Merchants Bank. Before a credit card is blocked, China Merchants Bank will usually send a text message to remind customers, and the content of the text message will usually be: "Mr./Ms. XX, your China Merchants Bank credit card account will be deactivated within 24 hours due to risk factors. Please call for consultation." The staff of China Merchants Bank will also directly call the cardholder to inform them that their card will be blocked.

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General situation of card blocking:

1. If a customer is always reminded that there is a risk when using a CMB credit card to pay for transactions and is unable to perform transactions, it may also indicate that his credit card account will be subject to risk control by CMB, and the card is likely to be deactivated in the future. Customers are advised to do so. Be sure to maintain good card usage behavior, do not swipe your card at irregular POS machines, do not always swipe your card during non-business hours of merchants, and do not always use large amounts in large amounts when swiping your card, because these may increase account risks. , the bank conducts risk control. Also, after swiping a card for consumption, you must remember to repay on time within the specified repayment period, and avoid overdue payments for a long time.

2. Under normal circumstances, China Merchants Bank will send a text message to the cardholder before taking action to block the credit card. Sometimes, the staff of China Merchants Bank will also call the cardholder directly to inform the cardholder that the card will be blocked if the cardholder has been overdue multiple times. If the repayment record is too frequent and the card is swiped too frequently, the issuing bank will take measures to block the card. In addition, the credit card will be blocked for a long time, or the credit card swiping time is abnormal, and the amount of the card swiped is an integer. . Generally speaking, if the cardholder is always reminded that there is a risk when using a CMB credit card to pay for transactions and cannot perform transactions, it may also indicate that his credit card account will be subject to risk control by CMB, and the card is likely to be Deactivate. China Merchants Bank cardholders are advised to maintain good card usage behavior and do not always swipe their cards during non-business hours.

3. You can get a card review on WeChat. A credit card comprehensive score query report will provide analysis of your credit card consumption behavior and credit card transaction behavior. Only by identifying the cause can you take the right treatment. Then take the initiative to explain to the bank that your credit card is normal consumption, and provide invoices, receipts and other consumption vouchers. If you don’t have a voucher, you can think of some other reasons, such as being in a hurry and not having time to issue an invoice, or the merchant saying that if you don’t want an invoice, you can give a certain discount, etc.

Bank of Communications credit card blocking tips. What?

1. Card blocking reminder

Dear customer, the Bank of Communications credit card under your name has been suspended due to risks in using the card. Please keep recent transaction receipts for future reference. If you have any questions, please call the customer service hotline on the back of your credit card. Bank of Communications Credit Card

2. There is no card blocking reminder

Dear customers, Bank of Communications Pacific Credit Card can only be used for normal personal consumption purposes, and can only be used through ATMs and bank tellers. When withdrawing cash in person, please standardize your card usage and keep transaction vouchers, such as invoices and purchase orders, so that you can verify the transaction. Thank you for your cooperation. Bank of Communications Card Center

Extended information:

Bank of Communications credit card installment payment

1. Bank of Communications credit card consumption installment payment to Pacific Dual Currency Credit Card, Liu Xiang VISA Credit Card, Provided to Y-POWER credit card, Pacific RMB credit card, various co-branded credit card principal cardholders and supplementary cardholders;

1. The starting amount of Bank of Communications credit card is: RMB 1,500/USD 100; (Y-POWER card RMB 500/USD 60)

2. Optional number of periods: You can freely choose between 3, 6, 9, 12, 18 and 24 periods;

3. The credit card consumption installment limit of Bank of Communications will be released in installments after repayment.

2. Charging Standards:

1. Installment Amount (RMB) Installment Handling Rate

2. Starting from July 15, 2011, Bank of Communications "Split as you wish" bill installment fee will be adjusted to 0.72%/month.

For "split as you want" bill installments that cardholders have successfully handled before July 15, 2011, the handling rate will still be based on the original rate.

Baidu Encyclopedia - Bank of Communications Credit Card

This is the introduction of whether you will be notified if your credit card is blocked.