I received a short message from China Merchants Bank today saying that the credit card has been suspended due to risk factors. What is the matter?

1. the merchant has a problem. If this merchant often uses China Unionpay Quick Pass to pay by credit card, it may enter the blacklist of UnionPay. For example, some personal pos supports China Unionpay Quick Pass code scanning, and many of them are already on the blacklist of UnionPay, so users will receive a reminder that the risk is blocked when paying.

2. Cash-out exists. If the user uses China Unionpay Quick Pass to pay by credit card, it will trigger the risk control rules similar to those of credit cards. Once the merchant types do not match in transaction time or transaction amount, or large-value transactions or integer transactions, it will trigger the UnionPay risk control rules to temporarily freeze the account.

1. if the non-OTC trading is suspended or stopped, only OTC trading can be conducted. You can contact the customer service of the bank and then transfer to the counter manager. Under normal circumstances, it can be lifted. If it is not too troublesome, an invoice or proof of use of historical expenses is required.

2. Limiting the off-counter probability is caused by the information you left in the bank being out of date. Please communicate with the bank first. This is not a problem, it is easy to solve. Off-counter is actually not the most serious general off-counter. The main reason is that your account is abnormal and needs to be screened and explained. The most important thing is that you should not be suspected of money laundering. The large amount of money transferred in and out does not match the usual transaction. Sudden account transfer or multi-person transfer. Now banks all over the country are very afraid of money laundering problems. Usually, you should pay attention to account use.

abnormal account transactions of China merchants bank are off-counter. what should I do?

Off-counter bank cards can be used to operate and handle banking business in person at the bank counter, but other channels such as online payment, ATM withdrawal and credit card spending are not available. In addition, if anti-money laundering is triggered, it will be much more troublesome, depending on whether the money can be taken out from the counter. If it can be taken out, it will be reassuring. If it cannot be taken out, it will be difficult.

1. It is easy for the bank to judge that there is something wrong with the account due to frequent account entry and exit. If it is a regular transaction, you can explain it clearly to the bank. If it is an abnormal transaction (virtual currency transaction, online gambling, etc.), it is recommended to take it out at the counter as soon as possible.

2. Don't panic when you meet someone who is not at the counter for the first time. Just take your ID card and bank card and withdraw money from the counter of the nearest corresponding bank, and then close the account if you can.

3. China Merchants Bank, China Construction Bank, Shanghai Pudong Development Bank and Bank of China are all easily off the counter.

4. If the mortgage card is off the counter, don't worry.

5. It is said that the restriction can be lifted in five years.

6. Off-counter will affect the corresponding credit card, and if the amount is reduced, the use will be restricted.