When the credit card encounters this situation, it means that the bank has "hinted" you, so be careful to be blocked.

As a kind of bank card, credit card has the function of overdraft for people in advance. Based on this function, credit card consumption has gradually become a favorite way of consumption for young people. After all, young people are energetic and have strong spending power. They don't save money like middle-aged and elderly people, but in a happy consumption attitude. In addition, young people have not experienced the hardships of the older generation, and when they grow up in honeypots, they can pay for their own consumption.

Even if you can't pay the bill, you can apply for a credit card with your parents' permission, so that your parents can pay for your own expenses. They can buy a pair of shoes or technology equipment that they like this month, and then pay by installment. You can also make all kinds of consumption in advance this month, and then postpone repayment when you have money next month.

Last year, a report on the payment system pointed out that in China, the number of people holding credit cards has exceeded 766 million. 20 15 A survey on young people owning credit cards shows that the probability of young people holding credit cards in China is as high as 83%.

In Japan, the probability of young people holding credit cards is 79.5%, which is almost the same as that of China. In India, the probability of young people holding credit cards is as high as 95.5%, and almost every young Indian has a credit card. Credit cards are so popular that they really have their unique functions. People can use credit cards for basic shopping, which is also one of the most important uses of credit cards.

Under normal circumstances, if people spend money in normal hotels, restaurants, supermarkets and other places, it is a normal charging behavior, and credit cards will not appear abnormal behavior. However, in some cases, credit cards will be abnormal. People who use credit cards should pay attention to the following situations, indicating that the bank has "hinted" you.

Generally speaking, when people use credit cards, they will not engage in various illegal behaviors, nor will they have other abnormal consumption behaviors. But occasionally, the credit card in your hand will behave abnormally. Once the credit card has abnormal behavior, the bank will remind you by SMS or phone in advance.

When shopping with a credit card, there will always be a short message about your financial situation, which will ask when and how much you spent. In fact, this short message is also a performance and proof to ensure the safety of your property. However, many people often don't pay attention to this short message, which virtually misses a lot of strong evidence of financial situation, so we must get into the habit of reading short messages about financial situation.

In addition, when the cardholder's credit card is abnormal, there will also be a short message prompt to remind the credit card marked with abnormal behavior, which is also a manifestation of warning the cardholder's credit card. When you see this message, you must go to the bank to check your credit card status in time.

In addition to SMS warning, there will be a way to call early warning. These bank staff will call those with abnormal credit cards at the first time to inform these cardholders of their current credit card status. It should be understood that this is actually one of the means by which banks suggest that credit cards are abnormal. If your credit card has no so-called abnormal consumption and action in the short term, you must pay more attention at this time and feedback it to the bank in time.

Credit card under abnormal circumstances. In addition to sending text messages and making phone calls, the bank will take the next step, that is, cancel the cardholder's cash installment qualification, which is listed as the key risk control object. Many people will find that they can't spend money in installments. This is actually an action that the bank freezes or cancels the installment payment for a short time in order to protect the cardholder's property when it finds that the cardholder's credit card is abnormal. If you find it impossible to pay by installment, don't be careless. Be sure to fully understand the status of your credit card and see if your credit card has encountered any abnormal behavior.

So, what behaviors will lead to credit card anomalies? The first is malicious overdraft, including frequent withdrawal of credit cards. The other is the overdraft behavior in different places, which also leads to the abnormal behavior of credit cards. Another point is blind cashing. If a credit card is cashed out blindly, it will basically receive an early warning from the bank. In addition, there is a risk of theft when consuming, but after authentication, it is determined to be my consumption, so there is no problem.

In short, when using a credit card, you must use it correctly, and never use it blindly, or you will make your credit card abnormal if you are not careful. Of course, don't be too nervous after the credit card is abnormal. Under normal circumstances, you can communicate with the bank in time and give a reasonable explanation to get your credit card back to normal, otherwise it will enter the risk control list. So this must be remembered.

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