What should I do if Guangfa Credit Card restricts certain merchants from using credit cards?

Guangfa started risk control in March. There are too many merchants with machine risks. In addition to GF, Ping An also has a similar situation. This is just a merchant triggering the bank's risk control rules and the bank stops payment. Don't worry about your card. Is it abnormal?

The solution is actually very simple. Even the bank has told you how to solve it. Almost all users who cannot use the machine to swipe their card will receive a text message from Guangfa, with the general content: Your consumption at a specific merchant exists. Risk of transaction failure... Please use other payment methods.

OK, if you use other transaction methods, offline machines will not work, then switch to online payment, Alipay, Meituan, WeChat, e-commerce and other payments will not be affected. Then just use these methods to pay. Cardless express services are not subject to bank risk control rules.

Then I have to swipe the card like this. You can also swipe normally using online card-free shortcut software. Currently, some payment companies’ products support online card swiping, such as facial recognition payment and cloud flash payment. Pay, UnionPay, etc.

That’s because GF has imposed restrictions on specific merchants, but this time the restrictions are wide-ranging and include almost all offline POS machines. Using online wallets to complete consumption is more in line with consumption habits. Online wallets include WeChat (pay to the aggregation code), Alipay (pay to the aggregation code), Yi Wallet (need to activate YP750700000020-YP750700000820, you can swipe large amounts by swiping your face and credit card in seconds), Chuanbao (you can apply to activate your own aggregation code) , JD.com (scan the aggregation code to pay) still requires the cardholder to use the card correctly to keep the bill in good condition! Guangfa Credit Card

How to exceed the consumption limit of specific merchants

1. Open the Discover Wonderful Client → Home page and click Local Life → Scroll down to find how many purchases you have made at the special merchants cooperated by Guangfa

2. Make a few purchases at nearby listed company supermarkets, Carrefour, and Wal-Mart

3. Take the initiative to make 1-2 small installments, divided into 6 months

4. Open Guangfa Mobile Banking GF Hui, upload face recognition, the system prompts that the restriction will be lifted after the upload is successful

5. Make a few purchases through fast payment channels, such as WeChat, Alipay, JD.com, etc., which are directly signed with banks.

6. Cancel the Guangfa card and replace it with a new card to solve the restricted transactions

7. Cancel the Guangfa credit card and release the credit limit to other banks

1. For consumption in large supermarkets

You can go to the local supermarkets several times to make purchases, even for a few yuan or dozens of purchases!

Second, swiping credit cards for online consumption

In fact, the Guangfa quota text message has given tips on how to lift the quota problem! It is recommended to use other payment methods. Some of the machines currently on the market that scan QR codes are fixed merchants. It is not recommended to use machines like this to scan QR codes. If used too much, it can easily cause risk control. The other type can be used to scan online mobile POS. It automatically generates QR codes based on the card amount and scans them at different merchants, which can effectively reduce the probability of risk control!

Three; Sign up with Guangfa Bank

Download the Guangfa Bank app instead of discovering the wonderful things!

After logging in to the Guangfa Bank app, find Guangfa Hui in life services and click to activate it. However, the prerequisite for opening is that you need to have a Guangfa Deposit Card. If you don't have one, you can open an account online.

Four. Consumption with special merchants

Find local life in the Discover Wonderful app. You can see the local merchants that cooperate with China Guangfa Bank. You can go and spend some money when you are free. Pen, this method is not only possible to lift the restrictions on Guangfa Card, but it will also be very helpful for increasing the limit!