How does China Merchants Bank check whether it has entered the darkroom? Why did you enter the competition? How to get out?

When we choose to apply for a credit card, we all want a high amount. It's not terrible to open a card with a low amount. The terrible thing is that you can't come up with the amount. When you are locked in a dark room, you can't withdraw it. So how do you know if your CMB credit card is locked in a darkroom?

The method is simple. Open the Pocket Life APP. If your credit card has been used for more than 3-6 months, there is no temporary or fixed limit, no bill installment, no easy loan, no easy installment, that is to say, there is nothing but the available limit, then you are undoubtedly locked in the dark room.

If being locked up is really unfortunate, then why is it locked up? How can I get to out of the dark's room?

Locking may be caused by the following reasons:

1. ID card has expired;

2. It is unreasonable to use the card at ordinary times, such as not spending for a long time, spending too many times and too many merchants.

3. There is overdue or minimum repayment amount;

4. China Merchants Bank will increase the quota by cash installments;

5. The total amount of credit cards of other banks is high or overdue;

6. The total liabilities such as loans and credit cards are too high;

7. Credit card swiping and illegal swiping.

Knowing the reason, if you want to get out of the darkroom, you need the right medicine. First, make a good record of card use to avoid illegal card use; Applying for a large fixed deposit or financial management with the savings card of China Merchants Bank means being rich and willful. For the sake of money, the bank will give you a discount. Reduce debt and keep all credit card bills at around 50%.

There is also a fastest way to get out of the darkroom, that is, to shop by stages in the Pocket Life app of China Merchants Bank, with the amount as much as possible above 1 1,000, and generally you can get out of the darkroom smoothly. After all, you have contributed to the bank, that's right.

At present, most card friends not only hold one credit card, but also hold many bank credit cards. After all, the rights and interests of each bank are different, and a single one can't meet its own needs, so I'd like to share with you the method of self-checking whether other banks' credit cards are in the black room:

1, Industrial and Commercial Bank of China

Industrial and Commercial Bank of China is the largest bank among credit cards, and it can adjust the credit limit through online banking or mobile banking. If the temporary quota and the fixed quota do not change during the adjustment period, they may enter the small black room.

In addition, if the second card applied for ICBC the next day is rejected, and the reason for rejection is the code "942", it is likely that it was controlled by the wind into the small black room.

2. China Construction Bank

CCB's judgment method can only be based on the increase of temporary quota and fixed quota. If you use it for a long time without any increase, you should consider whether it is a small black room.

3. Bank of China

The temporary credit line of China Bank is available at any time. If you don't mention the temporary credit line of China Bank, it will be a little black house.

4. Agricultural Bank of China

Agricultural Bank of China mobile banking can adjust the quota. If the credit card has been used for a long time and there is still no reference limit, it is a darkroom.

5. Bank of Communications

If the credit card of Bank of Communications is downgraded, it will basically go into the dark room. In addition, if the Bank of Communications pays the bill, the character index will be around 600 for a long time, which is also a small black house.

6. Guangfa Bank

In the darkroom of Guangfa Bank, it is mainly mentioned that there is no financing fund, bills cannot be processed by stages, and there is no temporary limit, so the second card is directly rejected. There's nothing wrong with going into a darkroom.