I received an early warning message from the Bank of Communications Credit Card Center today. Does it mean that people will be banned after receiving the news and repaying?

1, which will cause the card to be blocked, allowing the credit card to be unsealed in this way, which is suspected of large cash withdrawal? The card was frozen for the following reasons. In some cases, it is impossible to repay after many overdraft transactions. It will be considered that the bank of communications credit card holder used the card carelessly; 2。 The methods of unsealing include: what is the reason for the bank of communications to seal the card; So how should I unlock the card? Otherwise, it will cause more serious consequences: 1. If the bank of communications suspects that it is suspected of cashing out. Cardholders can also try to coordinate the repayment plan with the bank. If the card is blocked because the arrears are not paid, he can complain with the transaction form when buying goods and ask for a card opening, then he can only pay off the arrears in one lump sum before applying for a card opening. However, the repayment plan must ensure that there is no default.

Extended data:

After these three situations, please note that your credit card may be downgraded or blocked!

The first type: being reminded by a bank message.

It's normal to receive a bank message when spending by credit card, but you still need to pay attention to whether it is a reminder message or a warning message. The so-called warning message is that the bank thinks that the cardholder's credit card consumption is risky and warns the cardholder. For example, the issuing bank will remind cardholders that there are certain risks in credit card transactions, and hope that cardholders will standardize the use of cards and the like.

The occurrence of such short messages is mostly related to the cardholder's credit card swiping behavior.

For example, some cardholders often swipe their cards on the same POS machine, and the amount of each swipe is relatively large. What's more, they empty their credit cards every time. Such behavior can easily attract the attention of banks, and banks will think that cardholders are suspected of cashing out, and then control the risk of credit cards. In the long run, it is very likely that the quota will be reduced and the card will be blocked.

The second type: restricting transactions.

Sometimes, cardholders will face the problem that their credit cards have been used well before and suddenly can't be used. However, the bank has neither reduced the reminder nor sealed the card reminder. And no matter how many POS machines are changed, they can't be used.

Many people will be confused about this. In fact, this is because the bank restricted the transaction of this credit card. If this problem occurs, it is necessary for cardholders to pay attention. In this case, there are also problems with the cardholder's card swiping behavior, such as the cardholder's abnormal card swiping transaction.

Some people may not understand this. Let's give a simple example: for example, if the cardholder has been spending money at home and suddenly becomes spending money abroad, then this may be judged as an abnormal transaction by the bank. If this is the case, it is still relatively easy to solve. What I am most afraid of is that the cardholder misbehaves in the process of using the card. For example, it is obviously an abnormal behavior to spend 6.5438+0.8 million on credit cards in small supermarkets, which can easily attract the attention of banks.

The third type: phased refusal

With the increase of credit card quota, people will also rely on credit cards for some large transactions. But when it comes to repayment, many people can't repay in one lump sum, so they choose to repay in installments. However, if the bank controls the risk of credit card, the cardholder may be rejected when applying for installment.

At this time, everyone should use credit cards carefully. Pay attention to whether you often use staging, or whether you have ever had overdue problems. Because this happens, it is usually because the cardholder has overdue behavior, which makes the bank think that the cardholder has no repayment ability, so it refuses to apply by installment.

In your cardholder's credit card, when the above three situations occur, everyone should pay attention. Maybe some card friends don't care too much and think they have more credit cards. If the issuing bank seals its own card, it can use other banks' credit cards. In other words, some cardholders think that after the credit card is downgraded, they can cancel it and apply for a new one.