What should I do if my credit card (debit card) is controlled by the wind? How to deal with the bank's request for proof of consumption

The risk control of credit card (debit card) has always been a concern of card users, especially how to deal with the consumption vouchers and invoices that are informed by the bank to supply consumption/installment/credit loans after being controlled by the wind?

Let me start with two cases. The first is that credit card (debit card) consumption is controlled by the wind; The second is to check the flow of cash installment funds.

In the first case, I believe that everyone will encounter the most. For example, Shanghai Pudong Development Bank recently brushed invoices every week. If the invoice cannot be provided, the corresponding amount will be deducted directly from the credit card (debit card) according to the reference price of the commodity market.

The latest version of PUFA Credit Card (Credit Card) APP is very popular, and even has the function of uploading consumption vouchers directly.

Credit card (debit card) is subject to wind control.

In this case, everyone is an old driver, so I don't need to say the reason. Usually, we should pay more attention to standardizing the use of cards and take precautions.

In case this kind of problem is targeted by the bank, or even the right to exchange points is frozen, it will be very serious. I personally suggest a solution:

1, standardize the use of cards, and do not violate the rules.

2. Provide invoices and receipts as required. If it is real consumption, there are relevant invoices and documents, which can be provided as required. This is nonsense, and everyone knows it. If you have, why do you ask me?

3, the receipt can be reissued, and the pos machine can complete it; There is no invoice to make up, such as Huaqiang North subway station in Shenzhen.

4. Communicate with customer service, because I accidentally lost the invoice/receipt.

I didn't ask for an invoice because there was a discount on spending money.

6. Tear it up. The bank didn't fulfill its obligation to inform in advance.

Users need to keep consumption vouchers and invoices for investigation after spending with their cards. At this point, most banks have not fulfilled their obligation to inform in advance.

Let's look through the credit card authorization agreements and regulations of various banks to see if there is such an eye-catching reminder: let users pay attention to keeping the consumption vouchers after each consumption.

Some banks will cash in installments and borrow cash in advance to remind users that they need to keep consumption vouchers, invoices and other materials, but they do not indicate how long they need to keep them.

Furthermore, both the SMS and WeChat notification after swiping the credit card (debit card) are instant, but all the SMS reminders/WeChat WeChat official account reminders of banks do not remind users that they need to ask for and keep the consumption voucher, let alone remind them of the retention time.

Some of them are all advertisements for activities, installments and bid cards.

Because the bank has not fulfilled its obligation to inform in advance, users may lose their vouchers.

If the above method doesn't work, or if the invoice can't save you in the following situation, you have to find another way.

Yes, spending in Chengdu and Kunming on the same day, the amount is still so unscientific, and flying there is not easy to explain.