Ping an credit card can't be swiped? Netizen: I can't brush dozens of pieces.

Recently, a number of Ping An cardholders said that they have received SMS notifications that risk control restricts consumption or even reduces the amount of cards. A large number of card friends report that when swiping cards, they always prompt that risky transactions are intercepted by the system. Some card friends said that two cards at home were intercepted by the system, and now dozens of cards can't be swiped.

Seeing that a large number of card friends have encountered the same problem, some card friends shouted to safely close the offline credit card channel. Isn't it safe to start brushing this month?

In addition to the restrictions on credit card swiping, Ping An's reduction is also very strong. Some card friends reported that they suffered two consecutive health problems. The original total was 20 thousand. Last month's bill was 1.3 million, which was immediately reduced to 7000. Today's bill is 2000, reduce it to 5000 immediately.

In addition, there are card friends who cashed out with Ping An Credit Card, saying that all the cards that were swiped with a machine two months ago were tracked, and now they have received a notice of card closure. It is said that people who received such messages were later blocked.

Then the problem is coming. Ping An Bank's risk control is in full swing at this time. What is the reason?

It is understood that due to the COVID-19 epidemic, the repayment ability and willingness of Ping An Bank's retail customers have dropped significantly. In the first quarter of this year, the NPL ratio of personal loans of Ping An Bank was 1.52%, up by 0.33 percentage points from the end of last year. Among them, the non-performing rate of credit cards increased the most, and the non-performing rate of credit cards in the first quarter was 2.32%, up 0.66 percentage points from the end of last year.

At present, Ping An Bank is facing the problem that a large number of cardholders' credit cards are overdue. Many card friends said that they could not repay in one lump sum and were violently collected by Ping An Bank. In this regard, a large number of card friends are applying to Ping An Bank to negotiate installment repayment.

Faced with the high overdue rate of credit cards, it seems that Ping An Bank has no choice but to start the maximum risk control supervision at this time.

In fact, most of the cardholders who have been restricted from spending this time, or even reduced their quota or sealed their cards, are suspected of cashing out, or have other debts, and apply for deferred repayment after the deadline.

What should card friends do in the face of the strictest risk control of Ping An Bank?

1. Don't think that the POS machine you use is too powerful for banks to supervise. Remember to swipe your card through different machine channels. Only in this way can the risk of using the card be reduced and the card can be prevented from being blocked and reduced.

2, don't always bother to think about it after brushing two or three times, remember to increase the number of brushes, otherwise it is easy to be recognized as cash-out behavior.

3. Don't empty your credit card every time. Remember not to be too greedy.

4. Don't repay in full, choose to repay in installments appropriately, let the bank earn some interest and make some contributions, and the bank will really treat you as a financier and take care of you.

5. Call to complain. One can't do it. Play more. If there are too many complaints, the quota can sometimes be restored.