When can credit card concerns be eliminated?

How to deal with credit card concerns?

1. Search the official account of your credit card issuing bank in WeChat, such as China Construction Bank, Bank of Communications, etc.;

2. Click on the searched WeChat official account, and then click Follow;

3. After following, verification is generally required. After verification, you can use the official account to query credit card information.

Why is the bank card included in the watch list?

The reason why the bank card is included in the watch list may be that the individual holding the bank card has recently been involved in risky matters, or the loan has not been paid on time. Anyone who returns it will be put on the watch list.

Contents that banks focus on:

1. Overdue records:

In credit reports, overdue is a serious breach of contract. Banks check the borrower’s In the past overdue records, if it is found that there are habitual overdues and unpaid overdues, which proves that the borrower has problems with his integrity, or his financial situation is bad and he often cannot repay on time, then the bank will not grant new loans in this case.

There is no strict definition of overdue standards. Generally speaking, if there is a current overdue record, or the historical overdue amount reaches "three in a row and six in a row," it is basically impossible to apply for a loan.

2. Credit record:

In the credit report, the borrower’s number of loans and credit cards will be completely recorded, and each credit record has detailed time and lending institution. , loan amount, and repayment status. Through these records, the overall credit status of the borrower can be understood. If the borrower currently has too many debts, most of which have not been paid off, or the repayments are not in good condition, then the bank will not grant new loans.

3. Inquiry status:

Whether the inquiry is made by the borrower himself or by other authorized institutions, records will be left. If the borrower has multiple inquiry records within a month, the bank will generally Ask the reason why. If you ask too many times, you will be rejected directly.

Extended information: Reasons for being included in the watch list by the Administration of Foreign Exchange

1. "Pre-attention objects" are those identified by the Administration of Foreign Exchange after screening and confirmation by the personal foreign exchange business monitoring system. Customers who are "suspected of splitting foreign exchange settlement and purchase of foreign exchange and need to be notified and sign a "Risk Warning Letter"". Such customers need to read the "Risk Warning Letter" generated by the personal foreign exchange business monitoring system of the State Administration of Foreign Exchange in any bank and through any channel, and be aware of the warnings from the foreign exchange administration before they can continue to conduct foreign exchange settlement and purchase transactions. At this time, your personal foreign exchange settlement The annual available quota for foreign exchange purchase is the equivalent of US$50,000 for foreign exchange settlement and foreign exchange purchase respectively. If you sign the "Risk Warning Letter" but fail to follow the prompts to stop transactions that are suspected of splitting up foreign exchange settlement and purchase, you may be included in the "watch list" management of foreign exchange settlement and purchase by the State Administration of Foreign Exchange, and your foreign exchange settlement and purchase will be included in the "Watch List" management. The annual available quota is reduced to zero.

2. If you are a "person of concern" of the Administration of Foreign Exchange, you must read the "Notification of the Watch List" before you can enter the application interface for foreign exchange settlement/purchase and see that your foreign exchange settlement/purchase is available for this year. The amount is zero. The "Risk Warning Letter" of the pre-following objects and the "Watch List Notification" of the following objects only need to be read and confirmed once by the corresponding customer at any banking institution and through any channel.

Precursors of credit card blocking

Precursors of credit card blocking

Precursors of credit card blocking. Credit cards are used by many people, but once the credit card is reduced, it will still be Blocking the card basically means goodbye to the credit card. Once the card is blocked, the entire fund may be broken, leading to credit problems. Below are the warning signs of credit card closure.

Credit card blocking signs 1

Credit card blocking signs, you must be careful in these four situations

The following four are reminder measures commonly used by banks. It is worth noting:

1. Risk reminder text message

Many people will receive a risk reminder text message immediately after swiping their card to make a purchase, explaining the abnormal use of the card and reminding them to use it correctly, but most people People often don't care.

The bank sends risk text messages to remind you to pay attention to risks. If you receive this text message, it means that you have been targeted by the bank's risk control system. If you don't pay attention, your card will be blocked and your credit limit will be reduced. result.

2. Telephone reminder

Some people will also receive a call from the bank immediately after making a certain transaction, asking whether they want to spend the money in person to confirm whether there is any risk.

What needs to be explained about the phone reminder here is that sometimes you will receive a call from UnionPay. Usually when you swipe the phone, you will get a message whether you want to make the purchase in person. This is no problem. If it is not from UnionPay but from the card issuing bank, you need Attention immediately.

3. Restrictions on card swiping

Nowadays, the scale of overdue credit cards is getting larger and larger, and banks are having a hard time. In order to control their own risks, they will deal with some potentially risky credit cards. Users restrict transactions to prevent failure to recover money.

4. The temporary limit disappears

If you find that your temporary limit is gone, or you cannot apply for it, there is a high probability that the bank will pay attention to it at this time. If you are not sure, you can send a card Call the bank to inquire. If the cancellation is due to irregular use of the card, the card must be used in a good manner.

When these signs appear, what should you do to avoid card blocking? You can pay attention to the following points:

Long-term large consumption in small amounts will inevitably arouse suspicion. , frequent large amounts plus some auspicious numbers such as 666, 999, 888 and other leopard numbers are not advisable. When swiping the card, you can make multiple purchases, and don't spend all your money in one go. Frequently try the card. Some cardholders like to try the card. What is the card test? It means that when swiping the card, you want to find a merchant you like, keep trying the card, and stop halfway through the swipe. There are many consequences of trying the card too frequently. It’s a big risk, so you must avoid trying cards!

A long-term empty card means that the entire credit limit is used up, and the available credit limit is 0 on the billing day. This is called empty card billing. Another situation is that one deposit is made on the repayment day, and then it is empty again after a few transactions. This is not a good way to use the card. If you are under great pressure, you can use the method of paying less for more.

The reason why online consumer credit cards are under risk control is because there are too many abnormal transactions, which attracts the attention of banks. Why are credit card transactions so focused on? Because no one swipes credit cards nowadays, they are all using their mobile phones. Internet consumption is online, so you must change the APP for online consumption.

Of course, it is better to receive text message reminders. I am afraid that Liumang will be safe and the repayment will be reduced. If a text message comes, no appeal is allowed, so there is no room for it. When encountering this situation, in addition to swearing, There is no other way!

Here comes the important point. Many people are still swiping their cards. This method is extremely dangerous. In normal consumption, you will know if you take your card with you when you go out, so you should change to online payment. It is imperative to use facial recognition payment apps, otherwise it will be too late to change after receiving text messages.

Credit Card Blocking Signs 2

If the following four signs appear, your credit card may be reduced!

01 Receive a warning text message

If you use the card normally and repay on time, you will not receive a warning text message from the bank. If the cardholder's credit card transaction is abnormal, for example, it used to be a small transaction, but suddenly there is a consumption of more than 5,000 yuan, or even the credit card is emptied directly, it will easily trigger the bank's risk control and make the bank suspect that you are in the transaction. [cash] cash. At this time, the bank will send a text message reminder on the grounds that "there are risks in the transaction". If you continue to use the card improperly after receiving the warning text message, you will be subject to penalties such as derating and card blocking.

02Suddenly unable to apply for a temporary credit limit

Suddenly unable to apply for a temporary credit limit, it means that you have excessive consumption in the recent period of credit card swiping, and the bank is worried about your repayment ability, so it cannot apply Temporary quota. If this happens to you, be sure to control your personal consumption as much as possible in the near future so that your credit limit may not be reduced.

03 Transaction Restricted

If your credit card suddenly cannot be used for payment, and the POS machine of a different merchant is the same, it is likely that the bank has restricted transactions. This situation often occurs because there are abnormal transactions on the credit card, or the credit card is overdue, etc. This is also a precursor to a credit card reduction.

04 Unable to apply for installment or installment was rejected

Credit card installment allows banks to earn handling fees and is one of the banks’ profit sources. If a cardholder's bill suddenly becomes unavailable for installment, it means that you have triggered the bank's risk control and become the bank's key transaction monitoring target. Once the cardholder does not use the card in a standardized manner, it will be a matter of time before the credit limit is reduced.

Credit card blocking signs 3

Credit card blocking signs

The following is a summary of the signs before credit card blocking by several banks. You can check it yourself:

China Merchants Bank: If your credit card has no temporary limit, it is likely to be blocked;

Bank of Communications: If your credit card has risky transactions, the probability of having it reduced or blocked is 90%;

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Everbright: A warning text message will be sent to the cardholder, indicating that your card has been risk controlled;

China Construction Bank: When the temporary quota expires, the application is rejected but the card is basically blocked.

In addition, Ping An’s phone reminders and text message warnings are widely distributed. If you receive these reminders, your card will be completely blocked; the credit cards of Industrial and Commercial Bank of China (601398.SH), Bank of China, and Agricultural Bank of China will be blocked by the bank. Inexplicably downgraded. Or if transactions are suddenly restricted, it also implies that the credit card has been blocked.

How to avoid

First of all, try your best to avoid all bad card usage behaviors that may cause risk control, especially overdue and frequent minimum repayments;

< p>Secondly, develop good card usage habits, frequently swipe cards in a variety of ways, and swipe cards with large, medium and small amounts. At the same time, mainly use small amounts, and swipe more merchants that the bank likes, such as: merchants for food, clothing, housing, transportation, leisure and entertainment merchants. Brush more.

Please note that if the bank really wants to reduce your credit limit, it will give you various hints before the reduction, such as asking you to make installments, text message reminders, restricted credit card swiping codes, and being unable to make installment payments if you enter a black room. Amount increase, etc.

If the credit card is concerned, can I pay for the property mortgage?

Yes.

The real estate certificate is used as a mortgage loan. If you have a credit card, you can get a loan. Generally speaking, having a credit card in use means that the credit report is not blank. At this time, as long as the credit report is in good condition, the credit card is not overdue, and there is no bad credit record, it will not affect normal loans.

Note: Try not to be overdue when using your credit card. If you are overdue 3 times in a row or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future; if you are overdue for more than a certain amount and time , the bank will freeze the credit card.

That’s it for the introduction of credit card attention.