Icbc credit card epidemic notification SMS

1. Card swiping is restricted: for example, I was able to swipe my card well some time ago, but suddenly I couldn't swipe my card, but my credit card was not stopped or downgraded by the bank, and I couldn't swipe my card after changing several POS machines. There is only one possibility, which is restricted by the bank.

2. Receiving SMS warning from the bank: For example, after your credit card is spent, you immediately receive SMS warning or phone call from the bank, saying that your credit card transaction is risky. Please standardize the use of cards and other content. This means that you are already on the bank's risk control list. If you touch the risk control point again, you may be downgraded or banned.

3. Unable to apply for installment or being rejected by installment: This situation is the most common in Bank of Communications credit cards. If the Bank of Communications controls the risk, even if your credit card consumption reaches the threshold of installment, you are still not eligible for installment, or your card is rejected by the bank after installment, which means that your card is under the risk control of the bank.

After being controlled by the wind, it will be divided into two results according to the usage:

1. One can be used, but it is simply reduced, or a warning message is received from the bank, or it cannot be used for installment, but it can still be used for credit card transactions. This problem is basically not big. But there may be a phenomenon that your credit card limit directly drops to zero. As long as the card is not sealed, money can still be stored in the card for credit card consumption. Another situation is that it can't be used normally. If the transaction is restricted, the card cannot be used, or the card is directly blocked, it will be even more serious, and it is basically impossible to continue using the card. If you want a card, you can only call the credit card customer service of the issuing bank to see if I can help you remove the risk control. If you can, you can continue to swipe your card.

2. You can get a credit card analysis report through the card review, which records the cardholder's consumption index, consumption records, consumption amount, transaction profile, credit card habits, consumption types, consumption analysis, consumption period, consumption area, consumption abroad and other contents, and also provides your credit card risk score, so as to analyze your credit card consumption behavior and credit card transaction behavior. Cardholders can score their credit card usage through this report, which is convenient for optimization. It depends on what the wind controls. For example, it is difficult to continue to use the card after a long period of overdue. If you need to continue to use the card, you can contact the customer service hotline to see if it can be opened. If your card use behavior is not standardized, it will definitely be stopped, or it will be a lighter punishment. What's more, it has been blacklisted and has become a bank's refusal user.

Therefore, if you can, you'd better not violate the rules. If you are not sure if you have violated the rules, please get the credit card big data report through WeChat "Card Help Check" after using the credit card to understand your credit card status and risks and avoid this situation of being stopped! After the risk control of ICBC card, you can use your personal ID card, bank card and yourself to see if the risk control can be lifted. Some risk controls are triggered automatically by the system, not artificially, and can be released manually.