What credit card will be downgraded?

What credit cards are easy to close and reduce? In case of risk control, you can handle it like this!

The risk control of banks is strict, and many credit cards of card friends have had the experience of reducing the amount of cards, and this wave of card reduction risk control is still in progress. When winter comes, be careful with your card! Especially for these credit cards that are easy to be blocked and downgraded, the cardholder had better use the card in compliance, otherwise don't cry if it is blocked.

Credit card with easy card sealing and card lowering and its countermeasures

1. Minsheng Bank Credit Card:

Minsheng Bank, which has always relaxed its risk control, has also been tough this time. Many cardholders have received a card warning message, saying that the user's historical card use behavior has violated the relevant provisions of the contract on the use of credit card overdraft funds. Therefore, the RMB overdraft consumption function of the cardholder's account is closed, but the consumption, repayment, cash withdrawal and installment overpayment are not affected.

After receiving this message, the best way to deal with it is to divide the overdraft consumption amount into stages, preferably more than 12, and the amount is more than 5000 yuan, so that it is possible to unblock it.

2. Ping An Bank Credit Card:

Many Ping 'an credit card holders have received risk control messages from banks, saying that due to risky transactions in credit cards, they need to send the formal invoices during the consumption period to the bank mailbox within the specified time, waiting for the bank's review. If they can't provide a formal transaction invoice or verify that the invoice is invalid, the bank will take measures to seal the card or reduce the amount.

After receiving this message, the best response can only be to provide an invoice. If you can't provide it, you'd better call Ping An Bank's credit card customer service number and directly access the manual service. It's best to make an excuse that merchants can give discounts on invoices to fool.

3. Guangfa Bank Credit Card:

The downgrade tide of Guangfa Bank is serious, and all of them are directly downgraded. Of course, you will also receive text messages after demotion, but there is generally no chance to remedy this situation.

However, there is only one reason for the decrease given in the text message. The comprehensive risk assessment is not up to standard. I warmly remind you that if you don't want your credit card to be frozen by deduction, it is recommended to standardize your credit card consumption in the future to avoid any abnormal transactions.

The above is the introduction of "which credit cards are easy to close and reduce". I hope it helps you. In short, most of the above credit cards were blocked and reduced because of illegal card use, which was recognized as an abnormal transaction by the bank, so if you want to avoid being controlled by the wind, it is best to use the card in compliance.

Why are credit cards downgraded?

1. When using a credit card, if the cardholder's habit of using the card suddenly changes, or the credit card is suddenly maxed out, the bank will think that the cardholder has an abnormal transaction or is suspected of cashing out, then the bank will remind him with a warning message that his credit card transaction is risky, so please standardize the use of the card.

2. If the credit card used by the cardholder has always been normal, and it is suddenly impossible to use the credit card for consumption, then there must be an abnormal transaction on the credit card, or it may be that the credit card has expired. Without knowing it, it is also a sign that the credit card has been blacklisted by the bank.

3. If the cardholder has been using the card regularly, it will be very easy to apply for installment, because banks are eager for high-quality customers to apply for installment repayment, and they can earn handling fees. Then once the installment application is rejected, it means that the cardholder may become the risk control object of the bank. Once you enter the bank's dark room, it is early to be downgraded.

The harm of credit card overdraft:

1, resulting in bad credit records;

2. Interest: calculated at 0.5 ‰ per day;

3. Late payment fee: generally calculated at 5% of the unpaid part of the minimum repayment amount (depending on the regulations of banks);

4. Credit card malicious overdraft may also face criminal punishment;

5. If you are blacklisted by the bank, you can no longer have a credit relationship with the bank within 5 years from the date of paying off the arrears. A delay of one or two days in repayment will not have much impact on credit standing, but overdraft interest will be charged, that is, overdraft interest will be charged for two days according to one ten thousandth of the overdraft amount.

The above contents refer to Baidu Encyclopedia-Credit Card.

Which banks are reducing their credit cards significantly now? Pay attention to these matters.

The credit card limit is not fixed, and the bank will adjust it from time to time, which means that it can increase the limit and reduce the risk. As soon as the tide of credit card reduction hit, many banks reduced their cards one after another, and many of them reduced their cards in large numbers. If you have these credit cards, you should be careful.

Which banks are reducing their credit cards significantly now?

1, China CITIC Bank

The risk control of CITIC Bank has also begun to tighten. Prior to this, there was an announcement to reduce the number of credit cards that did not generate transactions in the past six months. In 2020, the crazy reduction mode will be started again, with a relatively large reduction. Many cardholders with 10 million cards fell below 10000, and some even fell to 5000. On the contrary, those quotas are only 3,000 to 5,000. After all, they will disappear.

Judging from the feedback from the reduced card friends, most of the small loans have been reduced. For example, the credit report shows that it is a small loan in Chongqing. As long as there is one, it may be reduced. There is also the wrong way to swipe the card, such as frequently scanning the code or swiping it to the code skipping machine. Although some card friends did not reduce the quota, they were restricted from trading and could only use the quota of 2000 yuan per month, which was quite miserable.

2. China Merchants Bank

China Merchants Bank, which has always been relatively loose in risk control, has also lowered its rating. Many people have received short messages from China Merchants Bank, saying that "your account in our bank is abnormal, and according to our bank's risk control rules, our bank will suspend your credit card use".

According to feedback from card friends, the problem is that the debit card has been terminated by China Merchants Bank, and even the money has to go to the counter. In particular, China Merchants Bank card as a settlement card, once the traffic is too large or abnormal, it will be controlled by the wind, which will implicate the whole account, and credit cards will naturally not be spared. So if you use China Merchants Bank as a settlement card, change banks quickly.

What is the reason for the credit card downgrade?

In fact, credit cards are downgraded for many reasons, such as: 1, and cashing out. In the process of use, if the bank's system finds that the user has cashed in the credit card. Then, in order to prevent risks, banks will reduce the credit card limit. 2. Credit cards are used less frequently. If the frequency of users' use of credit cards decreases, the bank will also recover part of the credit line. 3. There is an overdue situation.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Why was the credit card dropped? Three reasons to know!

In fact, there are still many skills in the use of credit cards. Many card friends can not only make good use of credit cards, but also increase the quota. However, the careless use of credit cards often leads to the reduction of the amount. If you want to deal with credit card downgrade, you must first find out the reason. So why do credit cards cut prices? Here's why.

Reason one: the credit card is overdue.

Overdue credit card is one of the biggest taboos for banks. A card originally applied for by credit indicates credit risk if it is overdue. Once overdue, it is most likely to be downgraded by the bank, and in serious cases it will be banned and blacklisted.

Therefore, credit cards must remember the billing date and repay on time. If you have a bad memory, you can use your savings card to repay automatically, and the bank will not deduct your money.

Reason 2: The account is abnormal.

There may be many reasons for abnormal accounts, but the most common one is cashing out. If you have a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy to be suspected of cashing out.

There is also sudden consumption and card theft abroad. , may be considered as an abnormal account, the bank will take relief.

Reason 3: Sleep Credit Card

If the credit card is not used more than a few times, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems.

For this kind of sleep card, lowering the quota is also beneficial. Once there is a stolen brush, the loss will not be so serious.

About "Why do credit cards reduce prices?" Here I'll introduce you to three reasons. To restore the quota, we must prescribe the right medicine. I believe the quota will be restored soon.

In these cases, ABC's credit card will be reduced or exempted!

The credit card situation is really not optimistic. Since last year, banks have lowered their quotas and cut their rights and interests. Until the second half of the year, the pace has not stopped, their rights and interests are still being cut, and their quota is still declining. Even the most honest and kind agricultural bank began to adjust its policies, and the risk control began to tighten. This time, I got the first-hand news of the adjustment of ABC's credit card policy, which can be seen from the large-scale downward adjustment of ABC's credit card. What is the specific situation? Let's have a look!

Agricultural Bank of China's credit card has been slightly adjusted, and credit cards with the following conditions may be reduced or exempted:

1. If the small loan is overdue, the credit report has been submitted or it is seriously overdue on the online loan blacklist, and the credit is not good, it will be directly downgraded.

2, cash is obvious, that kind of monitoring card is abnormal, suspected of cash, and may be directly blocked in serious cases.

3. If you deliberately create the illusion of continuous credit card swiping, if you return the card in one day, you will be swiped out in two days. If there are more than three bills in half a year, the amount may be reduced.

4. If the empty card is not used, or the frequency of use is particularly low, the Agricultural Bank of China thinks that your quota is useless and will directly reduce it for you.

5. If it is not phased for a long time, the contribution value to ABC is too low. It is said that if the comprehensive score of the contribution value is less than 3 points, the score may be reduced. The specific situation is still not very good. You can ask customer service

In addition to the bad news of the above-mentioned quota reduction, there will be good news of policy adjustment. If there is a decrease, there is an increase. The news of the price increase is as follows:

1. The credit limit of cardholders with good credit cards will be increased from August.

2. ABC's credit card adjustment will no longer strictly limit the time, whether it is temporary or fixed. As long as you perform well, you will be listed as a quality customer by ABC, and the bank will take the initiative to increase the credit line from time to time.

The above is the credit card adjustment for you, mainly because you don't use the card at ordinary times. If the card is overdue or cashed out, it may be reduced or exempted. If you have good credit, use your card well, don't worry. Reducing has nothing to do with you.

This concludes the introduction of what credit cards will be downgraded and what will be downgraded. I wonder if you have found the information you need?