When you suddenly find out that you are using a credit card one day, the system prompts that the transaction failed, and after your multi-party consultation, you get a result that you don't want to believe, and your credit card is reduced or blocked.
At this time, don't be in a hurry to scold, first think about whether there is a problem with your usual card habits.
Nowadays, it is common for each person to hold more than one bank credit card, and there are more relative problems with more cards.
There may be reasons for card blocking and derating.
1. Frequent transactions at the same merchant or on the same machine.
Second, use zero rate *** or often appear 999,888 and other numbers.
3. There is a problem with your credit record, such as other credit or credit cards are overdue.
Fourth, in the short term, frequent large-value transactions, off-site transactions, late-night transactions, etc.
5. The system detects the risk of TX, overdue and so on.
Each machine has a limit, and if a machine reaches the cap every day, the system may determine that there is a risk, and then you will have the possibility of being blocked and derated.
In small merchants, you often make large transactions, such as 10,000 or 20,000 yuan in small shops and fruit stores, and it is difficult for the bank to block you.
The choice of machine is also particularly important, do not use a code hopping machine.
POS machine code hopping refers to the payment company through the background technology, the standard merchant (0.6%) becomes the preferential class (0..)38%) and even public welfare merchants (0%).
However, the fees charged by merchants are charged according to standard merchants, while the fees charged by card issuers and UnionPay are based on the fees after the change, and the interest rate difference is the "benefit" brought by code hopping.
This will have some adverse effects on the cardholder, such as causing the credit card to be reduced, etc., therefore.
It is recommended that merchants and cardholders should choose formal and secure payment channels when using POS machines.
In addition, it is immediately brushed out as soon as the repayment is made, so there will be risks in and out of seconds, and don't believe that you can quickly improve your credit score and avoid derating through installments.
The bank will only add the icing on the cake, and will not give charcoal in the snow, do not pay it back on the last day of the repayment date every month, and it is better to repay the loan a few days in advance.
The first is that it is easy for the system to mistakenly think that you are short of money, and the second is that if you forget to repay the loan and the overdue result is more than worth the loss.
Learn the card habits of the masters.
You can clearly understand your bill date and repayment date, and you can set it to your mobile memo to remind yourself to repay in time.
Pay attention to the consumption scene, merchants who can use credit cards use it for transactions, and banks like to make small amounts.
Avoid going to the bank to use your credit card to withdraw cash, not to mention the high interest rate charged for credit card withdrawal, and the bank will think that you are very short of money.
Participate in bank-initiated activities, such as on certain dates or at designated merchants where you can spend points or coupons.
Proper use of your credit card will not only prevent the occurrence of limit reductions, but also increase the limit quickly.
Friend banks that are judged to be high-quality customers will also open various reserve funds for them, and it is also common to actively invite card upgrades.