Is it risk control to upload consumption vouchers?

What will happen if the Pudong Development Bank does not upload the voucher?

If the Pudong Development Bank does not upload the voucher, it may be subject to risk control. If the Shanghai Pudong Development Bank suspects that it has tx

or other uses , or the borrower may be asked to pay off all outstanding debts at once. It is not mandatory to upload consumption vouchers, but valid consumption vouchers can help improve the borrower's personal credit.

Personal consumption loans issued by Shanghai Pudong Development Bank to borrowers can only be used to purchase products or services needed by individuals or families. When a borrower obtains a large personal consumption loan, Shanghai Pudong Development Bank will require the borrower to upload consumption vouchers, and the borrower only needs to actively cooperate.

If the borrower delays in uploading consumption vouchers, he will be subject to risk control by Shanghai Pudong Development Bank. If the borrower does not upload consumption vouchers for a long time, it is equivalent to the borrower refusing to upload consumption vouchers, and Shanghai Pudong Development Bank may require the borrower to pay off all arrears at once.

According to Article 2 of the "Guiding Opinions on Developing Personal Consumption Loans": All commercial banks must conduct a summary and inspection of personal consumption credit business. All personal consumption loans without specified purposes that have been issued must be recovered on time and shall not be extended; such loans issued to internal bank employees must be recovered in advance.

Generally, for personal consumption loans with smaller amounts, Shanghai Pudong Development Bank will not proactively require borrowers to upload consumption vouchers. What does it mean to upload consumption vouchers for a credit card (credit card)?

Credit cards (debit cards) are required to upload consumption vouchers, usually because the credit cards (debit cards) are subject to bank risk control. At this time, the user's consumption is real consumption, and the consumption voucher can be provided as required. If the consumption voucher is not retained after each consumption, the normal use of the card will be affected. As long as the bank randomly checks the user, it must promptly upload the consumption voucher for the bank's review.

Usually, as long as the user uses the card in a standardized manner and there are no violations, credit cards (credit cards) rarely require users to upload consumption vouchers. What should I do if my credit card (debit card) is subject to risk control? How to handle the bank's request to provide consumption vouchers

Credit card (credit card) risk control has always been a matter of concern to cardholders, especially when they receive a notice from the bank after being risk controlled, requiring the supply of consumption/installment/ How to deal with the consumption vouchers and invoices for credit loans?

Let’s start with two cases. The first is about credit card (debit card) consumption being risk controlled; the second is about checking the flow of cash installment funds.

The first situation I believe everyone has encountered the most. For example, Shanghai Pudong Development Bank has recently issued an invoice every week. If it cannot provide an invoice, the corresponding amount will be directly deducted from the credit card (debit card) according to the commodity market reference price.

The latest version of Pudong Development Credit Card (debit card) APP Pudah Xiben even directly launches the function of uploading consumption credentials.

Credit cards (debit cards) are subject to risk control

Everyone is experienced in this situation. I don’t need to explain the reasons. You should pay more attention to standardizing the use of cards. Take precautions before they happen.

In case this kind of problem occurs and the bank has targeted it, or even froze the points redemption rights, it is already serious. I personally recommend the following solutions:

1. Standardize the use of cards and do not violation.

2. Provide invoices and receipts as required. If it is a real consumption, there are relevant invoices and documents, and they can be supplied as required. This is nonsense. Everyone knows it. If so, why are you asking me?

3. The invoice can be reissued, and it can be done by POS machine; if there is no invoice, it can also be reissued, such as Shenzhen Huaqiang North subway entrance, just click on it.

4. Communicate with customer service. Because of my carelessness, I lost the invoice/receipt.

5. Because there are discounts for not requiring an invoice when making purchases, I did not ask for an invoice.

6. Come on, the bank did not fulfill its obligation to inform in advance.

After using the card to make a purchase, the user needs to keep the consumption voucher and invoice for review. In this regard, most banks have not fulfilled their obligation to notify in advance.

Let’s go through each bank’s credit card (debit card) card collection agreement and card usage regulations to see if there is such an eye-catching reminder: asking users to keep the consumption voucher after each purchase.

Some banks will issue cash installments and cash advances, reminding users that they need to keep consumption vouchers, invoices and other information, but do not specify how long they need to keep it.

Furthermore, all banks’ SMS and WeChat notifications after swiping a credit card (debit card) are instant, but all banks’ consumption SMS reminders/WeChat official account consumption reminders do not remind users that they need to request and retain Consumption voucher, and there is no reminder about the retention time.

Some of them are event advertisements, installment advertisements, and card application advertisements.

Since the bank failed to fulfill its obligation to notify in advance, the user may lose the voucher.

If the above method does not work, or in the following situation even an invoice cannot save you, then you need to take another method.

Yes, the amount spent in Chengdu and Kunming on the same day is so unscientific, and it is not easy to explain by flying there. Is uploading consumption vouchers with a credit card subject to risk control?

When a credit card (credit card) is used illegally and is detected by the bank's risk control system, the user will be asked to upload consumption vouchers. The purpose of uploading consumption vouchers is to prove the funds of the credit card (credit card). The purpose is legal. As long as the user does not use the card illegally, he or she can upload the consumption voucher as required. As for the fact that there is illegal use of the card, you also need to upload the consumption voucher, otherwise it will be more difficult to lift the credit card (debit card) risk control.

Of course, if the user does not have a consumption voucher, he or she can try to contact customer service to explain the specific situation, and then use other methods to release the risk control.