Guangfa credit card short message interception

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 subject to risk control.

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, the inability to trade is caused by the risk control of cardholders' credit card cashing and overdue repayment. If the transaction cannot be made due to the abnormal status of the credit card, it is recommended to wait for a while before making 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 risk control, and then release the risk control according to the customer service guidelines. After the card is controlled by the wind, the credit card cannot be used normally, and the user needs to change other payment methods at this time. 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 is oriented to the general public and has no specific direction. 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 for private car owners, who will enjoy more benefits in refueling and car maintenance. At the same time, Guangfa Bank has issued a credit card business card, which can be applied in some large-scale consumer places and hotels, and will enjoy certain preferential quotas in some hotel services and reservation businesses.

The Precursor of Guangfa Credit Card Stamping

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 finds that the card can't be used suddenly, it is likely that the card is caused by risk control, which 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, the risk control systems of various banks are sensitive recently, and users will be frozen if they are not careful. In life, most users are controlled by the wind because of the risks in the transaction. For example, if they don't spend money during normal business hours and are suspected of cashing out their credit cards, banks will freeze their credit cards to ensure the safety of funds.

You can't use the amount of financial resources.

In order to provide better service to users, Guangfa Bank has 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 financial wisdom fund had paid the quota, it was rejected when applying. In fact, this situation is also 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 the loan due, it is likely that the risk control will cause the jam.

The reason why the credit card is frozen

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

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

3. Incorrect credit card amount: For example, the credit limit of a credit card is10,000, and once it is activated, it will be swiped 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. Suspicious card swiping time: there are transactions beyond normal business hours, such as transactions in the wholesale market after work.

6. Suspicious consumption amount: Too many people use Alipay as a payment agent in a short time. For example, the maximum amount of a single credit card of CITIC is 1000, and multiple transactions are 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 on two or more terminals within 30 minutes, regardless of whether it is successful or not, including checking the balance.

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's explain this knowledge for everyone.

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 cannot be 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 the late payment fee and interest, and the settlement will not stop until the day when it 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 the 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 know the reason why the bank card is frozen, so as to solve the problem pertinently. If the bank card is frozen because of your expectation, you need to repay 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 transaction of the bank card is frozen abnormally, you need to 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 meet them at ordinary times, don't worry, and don't believe the routine of some swindlers. Instead, we should keep a clear head, find out the reason for being frozen, and explain the situation to the bank in time so as to unfreeze it.

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 of Guangfa Credit Card is controlled, 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 spend money in such merchants at ordinary times, which can not only ease the risk control, but also increase the amount of long-term use. If Guangfa Credit Card is subject to risk control, but it can still be swiped, it must be regulated, 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 and find a wonderful APP, then look up local life on the home page, and then see which merchants are cooperating with the bank nearby. It is also necessary to enrich the consumption scene, and it is best to cover everything. You can occasionally go to supermarkets, convenience stores, cinemas, restaurants and 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 a combination of large and small, and the consumption amount 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 the 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 examine 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 refers to the risk control management of the use of credit card by banks. 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 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: They often use credit cards 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 cash too frequently, 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

Let's stop here for the introduction of the seal of Guangfa Credit Card.