Premonitory signs of card closure of Guangfa Credit Card

1. Card transactions are restricted

Generally speaking, cards in normal status can be used for consumption, and only cards in abnormal status cannot be used. Therefore, if a user finds that the card suddenly cannot be used, it is most likely because the card has been subject to risk control, and risk control may eventually cause the card to be blocked.

2. Receive a risk warning text message

Only by using the card in compliance with regulations can you use the card for a long time. In addition, the risk control systems of various banks are relatively sensitive recently, so users may feel slightly uncomfortable. If you are careful, the card will be frozen. In life, most users are subject to risk control because of risks in transactions. For example, if they do not consume during normal business hours and are suspected by the bank of cashing out their credit cards, at this time, the bank will protect the safety of funds and thus Freeze the card.

3. There is a financial credit limit but it cannot be used

In order to provide users with better services, Guangfa Bank also launched some credit card loan products while launching credit cards. For example, Caizhijin. It is a product with an exclusive quota. Basically, as long as you have the quota, you can apply for it. However, many friends in life said that although Caizhijin has a quota, it was rejected when applying. In fact, this situation is also caused by the risk control of the card, because the bank will not agree to the loan application request of high-risk customers.

4. Unable to apply for installment payment

As the most effective way to avoid overdue payment, installment repayment is a right enjoyed only by high-quality bank customers. Users with higher risks cannot apply for it. , therefore, if a user’s application for installment is rejected when he is unable to repay the loan at maturity, it is most likely because the card has been subject to risk control.

Reasons for credit card blocking

1. Improper card application channels: If the information is submitted through an intermediary, the card will be blocked directly as long as there is suspicion. ??

2. The card is swiped in a single place: repeated operations at the same POS machine for several months.

3. The credit card limit is incorrect: For example, a credit card has a limit of 10,000, and it is swiped out at the POS machine just after activation.

4. The problem of card swiping frequency: the same card is swiped on the same low-rate POS on a fixed date every month, occupying bank funds.

5. The credit card swiping time is suspicious: there are transactions beyond normal business hours, for example, merchants in the wholesale market have transactions after get off work hours.

6. The amount of consumption is questionable: Alipay is used too much for payment in a short period of time. For example, the maximum single transaction of CITIC Credit Card is 1,000, multiple transactions are 998, 995, 899, 999 and other similar figures. ??

7. Integer single transactions: such as 10000, 50000, 100050, 9998, 9995, 19999.50, 10200, 20400, 10500, 50500, etc., are all suspected of cashing out.

8. Frequent transactions: The same card has transactions on two or more terminals within 30 minutes, regardless of success or failure, including balance checking.