Screenshot of Guangfa Credit Card Stamped SMS

What does it mean that Guangfa Credit Card does not allow this card transaction?

The credit card swiping display of Guangfa Credit Card shows that this card transaction is not allowed because the credit card is controlled by the wind.

1. If the credit card cannot be traded, the cardholder needs to contact the issuing bank to verify whether the card status is normal. Under normal circumstances, it is impossible to trade because the risk control controls the cardholder's credit card cashing, overdue repayment and other violations. If the transaction cannot be conducted due to abnormal credit card status, it is recommended to wait for a period of time before conducting the transaction. This situation may be caused by the failure of the POS machine or credit card system. It is recommended to contact the bank for handling.

2. When the credit card is subject to risk control, the main solution is to apply to Guangfa Bank for lifting the restrictions. There are many reasons for this situation, such as overdue repayment, risky transactions and illegal credit card transactions. Therefore, the issuing bank will implement risk control on the card. Users should call the customer service hotline of Guangfa Bank in time to inquire about the reasons for the risk control, and then cancel the risk control according to the customer service guidelines. After the card is controlled by the wind, the credit card can't be used normally. At this time, the user needs to change other payment methods. In addition, illegal card use is more likely to lead to risk control, so users should not swipe their cards at suspicious businesses or suspicious time points.

Guangfa Bank Credit Card is the first standard credit card in China. Credit card is a pre-set credit line according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The credit card of Guangfa Bank is a standard card, which faces the general public and has no specific orientation. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods. The owner's card is aimed at private car owners, and they will enjoy more benefits in refueling and car maintenance. At the same time, Guangfa Bank has issued a business card with a credit card, which can be applied in some large-scale consumer places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

The predecessor of guangfa credit card title

1. Credit card transactions are restricted.

Generally speaking, all cards in normal state can be consumed, and only cards in abnormal state cannot be used. Therefore, if the user suddenly finds that the card can't be used, it is likely that the card is caused by risk control, and the risk control may eventually lead to the card being blocked.

2. Received a risk warning message.

Only when the card is used in compliance can the card be used for a long time. In addition, recently, the risk control systems of various banks are sensitive, and if users are slightly careless, the cards will be frozen. In life, most users are controlled by the wind because of the risks in the transaction. For example, they don't spend money during normal business hours and are suspected of cashing out their credit cards. In order to ensure the safety of funds, banks will freeze their cards.

You can't use the amount of financial resources.

In order to provide better services to users, Guangfa Bank launched some credit card loan products, such as financial intelligence, while launching credit cards. This is a product with exclusive quota. Basically, as long as there are places, you can apply. However, many friends in life said that although the amount of financial wisdom money was paid, it was rejected when applying. This situation is actually caused by the wind control, because the bank will not agree to the loan application request of high-risk customers.

4. Unable to apply for installment.

As the most effective way to avoid overdue payment, installment payment is a right that only high-quality customers of banks can enjoy, but users with higher risks cannot handle it. Therefore, if the user applies for installment payment when it is unable to repay, it is likely that the card is caused by risk control.

The reason why the credit card is frozen

1. Incorrect channel for card handling: If information is submitted through an intermediary, the card will be blocked directly as long as it is suspected.

2. Single card swiping place: repeat operation in the same POS machine for several months.

3. Incorrect credit card limit: For example, the credit limit of a credit card is 10000, and once it is activated, it will be erased on the pos machine.

4. Card swiping frequency: swiping the same card on the same low-rate POS on a fixed date every month takes up bank funds.

5. Doubtful card swiping time: there are transactions beyond normal business hours, such as transactions in the wholesale market after work.

6. Doubtful consumption amount: too many people use Alipay as a payment agent in a short period of time, such as the highest single credit card of CITIC 1000, multiple transactions of 998,995,899,999 and other similar figures.

7. Single integer transactions: such as 10000, 50000, 100050, 9998, 9995, 19999.50, 10200, 20400,/kloc-0.

8. day trading: The same card has transactions at two or more terminals within 30 minutes, whether successful or not, including balance inquiry.

Guangfa bank card has been frozen. What caused it?

Although many people choose mobile payment, many people still use bank cards, especially credit cards, which are used by most young people. When using a bank card, you need to pay attention to some matters, otherwise it will easily lead to the bank card being frozen, so what causes the bank card to be frozen? How to thaw after freezing? Let me explain this knowledge to you.

Reasons for the freezing of Guangfa Bank Card

There are many reasons why Guangfa Bank Card is frozen. First of all, GDB's bank card may be frozen if it is not repaid on time. Once CGB's bank card has not been repaid for more than three months in a row, the bank has the right to freeze the cardholder's bank card according to the relevant regulations of China. Although the bank card is frozen, the arrears exist as well as late payment fees and interest, and will not stop until the settlement is paid off. In addition, abnormal transactions of Guangfa Bank Card will be frozen. When the bank thinks that there is something wrong with the transaction of Guangfa Bank Card, in order to ensure the cardholder's card use safety and property safety, the bank will freeze the bank card, so that this bank card has no++day trading. Also, after the login password is entered incorrectly for three consecutive times, the bank system will temporarily freeze the bank card.

Unfreezing method of Guangfa bank card

When it is found that Guangfa's credit card is frozen, it is necessary to understand the reason why the bank card is frozen, so as to solve the problem in a targeted manner. If the bank card is frozen because of your expectation, you need to pay back the arrears as soon as possible, and then call the bank card customer service to inform the situation, and then the bank card will be thawed there. If the bank card transaction is frozen abnormally, you should call the bank in time to explain the situation and ask the bank staff to unfreeze the bank card.

In fact, it is quite common for bank cards to be frozen. If you encounter it at ordinary times, don't worry, and don't believe the routines of some scammers. It is necessary to keep a clear head, find out the reason for being frozen, and explain the situation to the bank in time, so as to unfreeze.

How to brush Guangfa Credit Card after risk control?

Just swipe your card directly at the place of consumption, and pay attention to the standard of using the card.

After the risk control of Guangfa Credit Card, it is best to choose the special merchants of Guangfa Bank for credit card consumption. You can pay more attention to the nearby merchants who cooperate with Guangfa, and you can go to such merchants for consumption at ordinary times, which not only relieves risk control, but also increases the amount of long-term use. If Guangfa Credit Card is controlled by the wind, but it can still be swiped, it must be standardized, otherwise the bank will permanently seal the credit card.

If you want to win back the trust of the bank by swiping your card, you'd better swipe your card at a special merchant of Guangfa Bank. You can log in to find a great APP, then look for local life on the home page, and then see which merchants and banks have cooperation nearby. But also to enrich the consumption scene, it is best to cover everything. You can occasionally go to supermarkets, convenience stores, cinemas, restaurants, KTV, and you can also wear clothes at buy buy on weekends. Not only that, but also changed the payment method, you can scan the code to pay, which is more stable than the POS machine and will not skip the code. The amount of credit card should be combined with the size, and the amount of consumption should match the type of merchants. Finally, it will take you at least half a year to develop such a consumption habit, and then repay it on time every month. At this time, it is easier to release risk control.

1. Credit card risk control is credit card risk control. In order to reduce the cost of issuing credit cards and reduce losses, major banks will strictly review credit cards and monitor the use of cardholders. Once the risk of useful cards is found, they will take risk control measures, such as blocking cards and freezing them. The risk control of credit card means that the bank has started the risk control management on the use of credit card. The performance of credit cards under risk control is as follows:

1) will receive the risk warning information from the bank.

2) The application for installment payment was rejected because the bank started the risk control. Therefore, please use credit cards reasonably to avoid being affected by the risk control initiated by banks.

2. People whose credit cards are easily controlled by the wind generally have these categories:

1) small business owners: they often swipe their cards on POS machines for building materials wholesale;

2) Online shoppers: credit cards are often used for online consumption, especially online consumption is much higher than physical consumption;

3) Credit card cashing: Credit card cashing is an illegal act that banks are not allowed to do, and it is easy to be targeted by wind control;

4) People who often withdraw cash from credit cards: Credit cards are mainly used for overdraft consumption. If you withdraw money too often, the bank will think that your financial ability is problematic.

Operating environment:

Mobile phone model: ELS-AN002.0.0.2 12

Wonderful discovery: 6.2. 1

The introduction of the seal of Guangfa Credit Card ends here.