Credit cards are under risk control and must be rescheduled immediately

If your credit card is under risk control, hurry up and make installments.

If your credit card is under risk control, hurry up and make installment payment. Most of us own credit cards. In fact, there are many aspects of the use of credit cards that require us. As you know, credit card borrowing and repayment are also directly related to us. The following credit cards are subject to risk control and must be paid in installments as soon as possible. If your credit card is subject to risk control, you need to quickly pay for installments 1

After your credit card is subject to risk control, you do not necessarily need to rush to installment payment. In fact, if your credit card is subject to risk control, even if you pay for installment quickly, it may not be able to be lifted. However, if you don’t take the initiative to apply for installment, the bank may call to invite you for installment. If the user receives an invitation call from the card-issuing bank, he or she can decide whether to handle the installment business based on his or her actual situation.

Once the cardholder is notified of risk control by the bank, what the cardholder needs to do is to immediately find out the reason for the risk control and then find a solution. Credit card installment can allow banks to earn handling fees, but it does not necessarily eliminate risk control. It also requires cardholders to use the card in a standardized manner. However, if the cardholder is indeed unable to repay the loan, he or she can apply for installment immediately after receiving a call from the bank notifying him that the loan has been risk-controlled.

Currently, handling installments appropriately can increase the bank’s contribution and improve the bank’s overall score. Naturally, it can also reduce the risk of your credit card being controlled. If the credit card under your name has been risk controlled, the cardholder needs to analyze the reasons for the risk control before deciding whether to pay in installments. Credit card installments can be beneficial occasionally, but frequent installments can have the opposite effect. If your credit card is subject to risk control, quickly apply for installment 2

Is it useful to immediately apply for installment after your credit card is subject to risk control?

Generally, if a credit card is subject to risk control, even if it is an immediate installment, the risk control may not be lifted. If the bank calls to invite installment, it does not mean that the risk will not be controlled. It may just be worried that if not If the cardholder pays in installments, the risk of overdue payment is too high.

The decision-making power at this time lies with the cardholder. If you are really under pressure to repay the loan, you can agree to apply for installment. However, you should pay attention to the choice of installment and you must choose the appropriate number of installments according to your own situation. , but it is best not to exceed 6 periods, otherwise the more handling fees you need to pay. In other words, credit card installment can allow the bank to earn handling fees, but it does not necessarily eliminate risk control. The main thing is that the cardholder must use the card in a standardized manner.

If you are really spending money, then the right thing to do is to obtain a credit card risk report through the public account card evaluation, which can analyze your credit card consumption behavior and credit card transaction behavior Analyze and find the cause, and then take the initiative to explain to the bank that your credit card is a normal consumption, and provide invoices, receipts and other consumption vouchers. As long as you explain to the bank that it is a real transaction, the bank will naturally help you remove risk control.

If you don’t know what caused the abnormal status of your credit card, you might as well click Query Now to get a credit card risk report, detect where the problem lies, and then optimize your card usage behavior in a targeted manner. To a certain extent, avoid having your credit card reduced or blocked. More credit card reviews and other credit card related information can be found in Zhongxin Wanka. Friends who want to know more details don’t forget to click and follow~ Credit card is under risk control and hurry up to installment 3

Credit cards are often invited to installment by phone. Will there be any impact if I accept it?

We use credit cards to facilitate the flow of funds, not to put the cart before the horse. As soon as I receive a call from the bank, I am afraid of reducing my credit limit and blocking my card, and then I am terrified of all kinds of phone calls from the bank. Nowadays, the customer service staff talks about installments, buying stamps, buying red wine and various products, and then there are too many words that will help increase the credit limit, even 100. It's a routine.

What we mainly want to know is whether refusing the installment will affect the amount increase and whether the amount will be reduced. Then you ask customer service whether the installment limit can be increased, and his answer is: "This is a system assessment, and humans have no right to interfere." So naturally, it is impossible for him to reduce your installment limit.

The increase or decrease of the credit card limit is decided by the card department of the local branch and the card department of the head office. Even if you go to an outlet to apply for a limit increase, it is recommended by the branch president to go to the card department before making a decision, so a small installment has an impact It's not that big, so there's no need to panic.

Another aspect is that many people do not understand whether it should be divided into installments? For example, most people think that insurance is a scam and don’t want to buy it. One day someone around him has an accident and he becomes ill suddenly and goes to the doctor. He rushes to buy insurance. In the end, an accident does happen, but he finds that the insurance he bought does not cover his accident. This is because it was not covered from the beginning. Instead of making a choice based on your own conditions, you buy for the sake of buying, spending a lot of money and not getting the results you want. The same is true for the credit card installment you are asking about now.

Let me explain in detail the effects of bill installment by major banks:

China Merchants Bank:

The cardholder believed the nonsense from the customer service and applied for an installment. It is said that the quota can be increased and the quota can be restored. Here we know that it is an installment outside the quota. The installment beyond the quota cannot be a bill installment. A box was also given during the application. Later, the cardholder found out that it was an E installment and entered a dark room, which affected the credit card limit increase.

Result after installment:

1. The temporary extension qualifications and temporary quotas that can be applied for before the installment will disappear immediately after the installment, and overseas appointments will also temporarily disappear;

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2. If you have applied for installment payment in advance and apply for an interest refund with customer service, you will enter a black room and E-Zhao Loan will disappear directly.

3. The installment credit report will show the full amount, not just the bill amount.

4. If the investment installment is settled in advance, the remaining interest will still be collected. Even if you buy a product on Palm Life and apply for installment, if you return the product, only the principal will be refunded, and the interest will still be deducted. Are you surprised or surprised?

Minsheng Bank:

There are bill installments and extra-limit cash installments. After installment of part of the bill, extra-limit cash installments are immediately ineligible.

For early repayment, only a handling fee will be charged and the remainder will be waived.

China Guangfa Bank:

The inability to make installment payments is the most obvious black hole of Guangfa Bank. In addition, many cards have been canceled this year. Recently, they have been aggressively marketing low-rate installment plans and three installments without interest. Push several batches to cultivate customers' awareness of installments. If you place a big batch, if you don't pay attention to more than three installments, or you become addicted to installments, you will be in trouble.

This pit paved the way for GF’s special installment payment methods:

Originally: Your credit card limit was 30,000, and then you applied for bill installment, then Your available credit is zero.

Later: After you have repaid one or two installments, GF will give you an additional quota. This quota is a special installment quota. If you have installment bills in your name, the amount will be converted to this quota. Come, then your original credit card limit will be released.

At this point: You have a credit card limit of 30,000 that you can use, and then you have a special installment limit of 30,000 in debt, and your consumption reaches 60,000 before you know it.

Result: People who don’t read the news or pay attention to credit card knowledge will most likely not notice this little trick of GF. They only know how to repay according to the bill. Then if your special installment limit is getting higher and higher, your one-installment credit card limit Just release it. When you see that there is still a lot of balance left on your credit card after the installment and you can still swipe it, you can continue to swipe it. Unknowingly, your debt will get higher and higher, and you will have to think about the consequences.

Everbright Bank:

In the past, Everbright threatened to reduce the credit limit of large-value credit cards without installment. Ignore those who use the card well, but ignore those who use the card poorly. My experience is that There is a problem, but it will be after 150,000. Before that, it was just a trick on you.

I have written a special article about cash installments. Let me tell you one more thing. You can directly call the customer service staff to inquire whether you are qualified for cash installments.

Shanghai Pudong Development Bank:

The most powerful person in the threat installment department, with the highest success rate in deception, and he plays psychological warfare.

The cardholder had a card worth RMB 100,000. In February this year, the customer service directly called and asked for the full amount to be divided into 12 installments. Even if it was less than one point, it would be at your own risk. After refusing, he was told to give him a few days to think about it, but the result was the same after he called twice. Threats, and then the same indiscriminate behavior, half a year later, nothing happened and it still raised 140,000. Take a look at the recent Pudong Development Bank installment case: a risk control text message came immediately the next day after the installment was completed. Therefore, the installment insurance amount is just to comfort yourself. The most important thing is to pay attention to the optimization of credit card data.

Do you think Pufa is cheating like this? Let’s look at the second case:

I saw this shared by a card friend in the past few days. The 200,000 yuan was paid in installments of 50,000 yuan in the morning, and was immediately reduced in the afternoon. It really cost my wife and then discounted it. soldiers. Anyone who has experienced the reduction in installments from one month to the next at Pudong Development Bank will know that the installments are all a lie.

Pudong Development Bank applied for large-amount installments for two consecutive months, and the reserve fund and extra-limit universal funds disappeared immediately. Even if the amount was increased normally in the future, the amount was greatly reduced. This is the result of excessive installments.

There are not many routines for the remaining bank installments. Let’s talk about the corresponding impacts of installments:

China Construction Bank:

If Long Pay pays too much or If you pull too much wool, you will end up in a dark room, and you will not be eligible for bill installments or cash installments.

Industrial and Commercial Bank of China:

Industrial and Commercial Bank of China is really lazy now. Many installment calls are made by intelligent robots. Industrial and Commercial Bank of China rarely has the skills to threaten the installment plan, and countless people have successfully raised their credit limit to ten The cases of tens of thousands of cardholders prove that installments have nothing to do with increasing their credit limit. They will still receive text messages inviting them to increase their credit limit even if they do not pay in installments.

Agricultural Bank of China:

Since the local branch of the Agricultural Bank of China has locked the limit, if you use the card well and will not give you a limit increase, does installments make sense? So ignore it.

Finally, we can draw a conclusion: Credit card installment is just a business carried out by a business department of the bank for performance. It has little to do with the credit card limit, and it does not determine the right to use your credit card. A small installment of several thousand yuan may increase the overall score, but there are many scoring directions for increasing the credit card limit, and there are countless cases where the credit limit can be increased normally without installment. But the impact of over-staging has been demonstrated in the above cases.

Common installment routines:

Installment phone routine one: When you invite for installment, the customer service will tell you that there is no interest on the installment. What is being played here is a word game, and what they charge is called " handling fee".

Installment phone call routine 2: The quota increase is divided into temporary quota and fixed quota. Some customer service personnel see that you are already qualified for temporary quota, and then fool you into giving you a temporary quota after installment. Everbright is very good at this, as is Xingye's invitation to increase the fixed quota in installments a while ago. Some people received text messages and also mentioned it without installment, indicating that these people are already qualified to increase the quota.

How to deal with installment customer service?

Anyone who calls to invite installment plans and says it will be helpful to increase their credit card. If you ask him directly for his job number, and then says that he has recorded it, he will be divided as long as the installment amount can be increased. He will immediately change his mind and the final decision will be made by the system. They don't have the authority to adjust the limit, so they still make false claims that installments will help increase the limit? Therefore, customer service plays word games in order to make up the effect that everyone wants, and many people have a trial mentality. By chance, they have applied for installments when they could have raised the quota. Chinese people like to follow the trend, and then cause The so-called installments are helpful for increasing the quota, and the customer service staff are laughing from ear to ear when they earn commissions.