What is the precursor of the collapse of CITIC Credit Card? Pay attention to this kind of message

Since 20 19, the risk control of CITIC Bank has been further strengthened. Although many cardholders' credit cards have not been affected in any way, there are still many cardholders who have not been spared in this wave of card closures. If you have these signs when using a credit card, your credit card is likely to be blocked, and you don't want your credit card to be suddenly blocked. First, let's take a look at the card-sealing precursor of CITIC Credit Card.

1. Repeated overdue repayment: Repeated overdue repayment has a great impact on your credit information and may even be blacklisted, so your CITIC credit card is likely to be blocked in this case.

Second, the frequency of swiping cards is too frequent: frequent swiping cards will be suspected by banks as cashing out with credit cards. If the bank finds that the credit card transaction of the same merchant is abnormal or frequent, the bank will consider whether to include it in the risk control system in regular or irregular evaluation, so in this case, your credit card is likely to be downgraded or deactivated.

Third, swipe your card during non-business hours: Normal businesses have their own business hours, and cardholders swipe their cards at abnormal times, such as eating in a fitness center or restaurant in the middle of the night or early morning. This is very abnormal consumption. This situation will also be suspected by banks that there is a possibility of cashing out, so it is easy to be controlled by the wind.

4. The total monthly credit card spending reaches more than 90% of the credit line: such consumption will also be considered by banks as abnormal operation and suspected of cashing out.

5. Long-term empty card status: Long-term empty card of credit card will increase the debt ratio and make the bank question your repayment ability. Secondly, the long-term empty card of credit card has the risk of overdue, both of which are easily controlled by the wind.

If you have the above five situations when using a credit card, the bank is likely to send you an ultimatum-a warning message.

After receiving the early warning information from the bank, the credit card is likely to be blocked in a short time. The content of the short message is generally that your card is in an abnormal state. Please swipe your card through regular channels. Then you will be asked to submit a true and valid proof of consumption at the specified time, otherwise your credit card will be blocked soon.

That is the introduction of "CITIC Credit Card Seal Precursor". I hope everyone will be vigilant and use your card normally. In particular, you should be more careful when you receive a risk message from the bank, prompting that the card status is abnormal. Only by maintaining normal consumption within the time limit can we use credit cards smoothly and reduce unnecessary losses and troubles for ourselves.