Precursor of credit card downgrade of Societe Generale

Precursor of the downgrade of Industrial Credit Card: If the credit card is used normally and repaid on time, you will not receive the warning message from the bank. If the cardholder's credit card transaction is abnormal, it was originally a small transaction and suddenly there was a consumption of more than 5,000 yuan. And it will directly empty the credit card and touch the bank's risk control point. Banks will send text messages to remind them of the risks in credit card transactions and ask them to regulate the use of credit cards. This is because the bank suspects that the cardholder is withdrawing money. If the cardholder touches the bank's risk control point and becomes the key risk control object of the bank, it may be pulled into the little black room. In this case, the installment payment may be refused. If the cardholder can't leave the dark room, once there is no standard card behind, the amount will be reduced.

1. Transaction restrictions Some cardholders used to use credit cards frequently, but suddenly they can't use their credit cards to spend money. Many POS machines are the same, which is probably restricted by banks. The biggest reason is that the credit card has abnormal transactions, or the credit card has expired and is blacklisted by the bank, which is also a precursor to the reduction of credit cards. If the credit card holder of Industrial Bank fails to repay the loan within the time limit, the bank will think that the user does not have enough repayment ability, thus reducing the credit card limit; The cardholder's credit card status is abnormal, and the bank risk control believes that withdrawal will lead to a decrease in the credit card limit; The credit card account is abnormal and there is a risk of theft. Banks will reduce losses by lowering the credit card limit. The above is the analysis of the reasons why Industrial Bank lowered the credit card limit. I hope I can help you. The bank said that the increase or decrease of credit cards is a normal operation of credit cards and will be adjusted according to the user's credit card usage. Therefore, it is very important to keep a good record of credit card use.

2. If the Industrial Bank's credit card is overdue for a long time, or the overdue amount is huge, the issuing Industrial Bank will respond to reduce the restrictions on credit card holders and prevent the risk of bad debts from causing serious overdraft of credit cards. Abnormal credit card account of Industrial Bank leads to credit card deduction. Most of the credit card accounts of Industrial Bank occurred when the credit card was stolen. For example, when Mr. Zhuang, a netizen, traveled abroad at the beginning of the year, credit card information was stolen by overseas criminals, resulting in tens of thousands of overseas credit cards being stolen. Industrial Bank found that the transaction was abnormal at the first time, and after checking with Mr. Zhuang, it found that the credit card was stolen. Therefore, after obtaining the consent of General Manager Zhuang, Industrial Bank temporarily reduced the credit card limit to prevent greater theft losses. Industrial Bank's credit card has not been used for a long time, resulting in a decrease in credit card quota except for the above situation.

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Version 5.0.42 information of Industrial Bank