Precursor of China Merchants Bank's credit card sealing

Before the credit card of China Merchants Bank is blocked, China Merchants Bank will generally send a text message to remind customers. The content of the text message will generally be: "Mr./Ms. XX, your credit card account of China Merchants Bank will be deactivated within 24 hours due to risk factors. Welcome to inquire." Sometimes the staff of China Merchants Bank will call the cardholder directly and tell him that his card is about to be blocked.

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Overview of card sealing:

1. If the customer is always reminded of the risks when using the CMB credit card for transaction payment, it may also indicate that his credit card account will be under the risk control of CMB, and the card is likely to be deactivated. It is suggested that customers should pay attention to maintaining good card use behavior at ordinary times, do not swipe their cards on informal POS machines, do not always swipe their cards during non-business hours of merchants, and do not always swipe their cards in integer amounts. Because these may lead to an increase in account risk, banks carry out risk control. Also, after spending by credit card, you must remember to repay on time within the prescribed repayment period to avoid long-term overdue debts.

2. Under normal circumstances, China Merchants Bank will send a short message to the cardholder before taking the credit card sealing operation, and sometimes the staff of China Merchants Bank will directly call the cardholder to inform him that his card is about to be sealed. If the cardholder has many overdue repayment records and swipes the card too frequently, the card issuing bank will take measures to seal the card. In addition, the credit card has been empty for a long time, or the card swiping time is abnormal, and the card swiping amount is an integer. , it will also cause the card to be blocked. Generally speaking, if the cardholder is always reminded of the risks when using the CMB credit card for transaction payment, it may also indicate that his credit card account will be subject to the risk control of CMB, and the card is likely to be deactivated. It's best for CMB cardholders to keep good card use behavior, and don't always swipe their cards during merchants' non-business hours.

3. You can get a comprehensive credit card score query report on the card review and this kind of WeChat, which will provide your credit card consumption behavior analysis and credit card transaction behavior analysis to find out the reasons and remedy the case. Then take the initiative to explain to the bank that your credit card is normally spent, and provide invoices, receipts and other consumption vouchers. If there is no voucher, you can think of some other reasons, such as being in a hurry at that time and not being able to issue an invoice, or the merchant said that if you don't want an invoice, you can give a certain discount.