ICBC's quota has been reduced from 50,000 to 0.

After cracking down on other people's credit card repayment, ICBC continued to strengthen credit card risk control.

Author | Zhang Haodong

Encyclopedia of production and payment

Since the beginning of this year, many banks have issued announcements on the use of credit cards, restricting some credit card transactions, and many areas have become restricted areas for the use of credit cards.

But only through the form of announcement, it seems that the effect is not obvious. ICBC began to strictly investigate the flow of credit card funds, which sounded the alarm of credit card risk control.

0 1

Triggered a downgrade storm.

Recently, many readers reported to Payment Encyclopedia that after ICBC cracked down on other people's credit card repayment, there was another wave of credit card reduction, and the credit card quota of ICBC was greatly adjusted.

It is understood that many readers have been reduced their credit card quota without overdue, and the credit card quota of some users has been directly reduced from 6.5438+0.5 million to 0, which shows the strength of ICBC's risk control.

Before the credit card was downgraded, ICBC sent a short message to some cardholders, which read as follows: Dear customer, according to your recent card usage, loan usage and personal credit status, ICBC has downgraded your credit limit to 0 yuan.

Although some cardholders have not received the SMS of ICBC's credit downgrade, they have received SMS reminders of compliance transactions, reminding that credit funds such as personal credit card overdraft can only be used for personal consumption, and may not be used for purposes stipulated by national laws, regulations and normative documents such as cash, production and operation, real estate, stock market, investment and futures or prohibited or restricted by ICBC.

For cardholders whose credit cards have been disabled, ICBC reminds them to use credit card funds in compliance. In case of the above-mentioned illegal transactions, please pay off the transaction amount in advance.

The risk control of ICBC's credit card has affected many cardholders and brought them some influence. Because many cardholders' credit card quotas have fallen sharply in this round of credit card reduction tide, it also brings inconvenience to capital turnover.

Judging from the two short messages sent by ICBC to cardholders, ICBC is strengthening the control of credit card transactions, especially the abnormal consumption of credit cards, which has become the focus of ICBC's risk control. Once caught by the bank, it is inevitable to reduce the credit line.

Some people's credit decreases, while others' credit increases. The credit card quota recovered by ICBC has not been completely idle and frozen, but has been distributed to better cardholders. While many cardholders reduced their credit limits, some cardholders were invited by ICBC to increase their credit limits.

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Strengthen credit card risk control

For a long time, ICBC has been regarded as relatively loose in risk control, and rarely carries out large-scale risk control on cardholders' credit cards. However, in this round of credit reduction storm, ICBC really moved, with a drop of more than 50%. There are not a few users.

Judging from the current feedback, the credit card limit covers a wide range. Even the old cardholders who have used the card for many years have not escaped the fate of being downgraded. This round of ICBC's reduction is almost ruthless.

Shortly before the arrival of the discount tide, ICBC also closed the channel for other people's accounts to return credit cards. Using someone else's bank card to repay ICBC's credit card will not succeed, so I can only repay the credit card with my own savings card.

When many users use other people's bank cards to repay ICBC's credit card debts, they receive a notice of repayment failure, indicating that the bank failed to process the repayment application. The reason for the failure mentioned that "the card does not support repayment", and the cardholder needs to change the bank card or go to the bank counter to handle it.

With the clarification of the ICBC ban, it is no longer feasible to repay your credit card debt with someone else's account. Icbc credit card holders can only repay their credit card bills if they meet the requirements.

The successive actions of credit cards reflect that ICBC is indeed controlling credit card risks and regulating cardholders' card use behavior. In this round of letter drop storm of ICBC, cardholders are likely to face the consequences of losing envelope cards.

A banker told Payment Encyclopedia that ICBC's recent risk control may be related to the opening of a large number of gambling accounts in some outlets, which led to relevant rectification, which not only affected debit cards, but also affected cred.

In August last year, China Industrial and Commercial Bank of China Yunnan Branch was fined 1.6 million yuan by Yunnan Banking Regulatory Bureau because credit card overdraft funds flowed into the real estate sector, and the loan issuance control was not in place.

Nowadays, ICBC is actively tightening the risk exposure of credit cards, and the batch reduction also reflects the bank's risk control policy for the current credit card business. Banks are becoming more and more sensitive to abnormal transactions, and cardholders should be more careful when using their cards.

Q&A: It's hard to say. It depends on our own situation. Even many people get the quota of 1 yuan.

It's not easy to get one card for four major banks. If you apply for the first credit card, it is not recommended to choose the four major banks. You should choose a joint-stock bank, such as China Merchants Ping An Industrial Co., Ltd.

Even if the card is used, it is more difficult to get rid of the industrial and commercial credit card. If there is no house, no car provident fund, and no mobile industrial and commercial bank, it is difficult to get a card, even if other credit cards such as China Merchants Bank have a quota of more than 100,000. ICBC pays more attention to your value to the bank, such as whether the wage inflow is the bank and whether the main consumption is the bank. Still pay more attention to your contribution.

If you have no business relationship with ICBC, even if you get the card, it will cost about 3,000 to 5,000 yuan, or even 1 yuan (send the beggar away). It is also difficult to increase the amount. It may take the Year of the Monkey to reach the quota of 20 thousand to 30 thousand.

Of course, if you start to establish contact with ICBC after handling the ICBC credit card, for example, the salary inflow is changed to ICBC, the mortgage and car loan are all ICBC, and the deposit and wealth management are transferred to ICBC, then the quota will be raised quickly. As for the amount to be raised, it is more focused on the size and tightness of the funds, and even 3.5 million is not a problem.

Therefore, if you want to apply for an ICBC credit card, it is best to establish contact with ICBC first, so that the amount of the card will be larger, and the amount will focus on the size and tightness of the funds. The same is true in raising the amount. The more contacts you make, the faster you can raise funds.

ICBC is called the Universal Bank, not only because it is big, but also because it sets a benchmark. Not to connect it with other banks, but to connect other banks with it (this way won't work).