The most feared thing about the credit card intensive increase is the card reduction and card blocking, because once the credit card is reduced or blocked, then the credit card is basically useless, and it is difficult to raise the limit in the later stage. Cardholders can basically consider giving up the card. If it is serious, after directly sealing the card, then you can basically consider canceling it, and the hope of unblocking it is too small. Speaking of which, there may be some cardholders who refute that there were so many derating and blocking cards of Ping An and Pudong Development last year, and they were not all unsealed and thawed in the later stage?
First of all, there was indeed this thing last year, there were many cardholders who were unblocked in the later period, but only a small part of them were unblocked, and there were still a large number of cardholders who could not be unblocked. And even if it is unsealed in the later stage, this card is basically invalid, and the amount will basically not be raised later. Secondly, after the reduction last year, you can try to restore the quota, but now after the derating, you can basically no longer restore the quota, especially for cardholders who often cash out, this is recommended to re-plan a new card scheme. Even if you want to cash out by card, you need to cooperate with the bank to like to spend, so it is the best. Otherwise, if you keep cashing out, then it will only be a matter of time before you will definitely close the card and reduce the rate in the later stage.
This year, the new risk control is coming, and many students have reported that their credit cards have been directly blocked. At present, the most feedback is ICBC, Everbright, Huaxia and the local Chang'an Bank. Later, according to Lao Tan's understanding, it was found that the derating and sealing of cards were basically the reasons for cashing out the card. Here are a few cases to share with you, you can take a look, if you still use the card like this, it is recommended to put an end to it as soon as possible.
1. ICBC. This cardholder gave Lao Tan feedback two days ago that ICBC directly blocked the card. I feel that the main reason is the problem of one brush and one repayment, and I often have just repaid the loan in the account recently, and then I will immediately brush it out. In this case, Lao Tan had clearly stipulated when he shared the amount of the card, don't pay it back immediately, but there are still cardholders who don't care, and if you don't reduce the rate and seal the card, you regret it, it's a little late.
Of course, in addition to this situation, there are also some cardholders who have reduced the amount, saying that they also went in last month and lowered it by 20,007, and this month it was directly reduced to 500.
There are also cardholders who said that they came to text messages early in the morning and the ICBC credit card was reduced, but I really didn't expect it. I've been using it for almost 10 years, it's always been 5w, and I went in yesterday, and the remaining amount is 11111, down 11000. Therefore, ICBC cardholders need to pay attention in the near future, especially those who have been swiping their cards to cash out. If you have recently received an invitation from the bank to installment or a text message, it is recommended to follow the bank's rules, either installment, or more real consumption in the short term, and do not cash out.
2. Huaxia. This is also the case in Huaxia recently, and there are many cardholders who have reported at present. I suddenly found that Huaxia credit card could not be traded, and I thought it was a problem with the machine, but I directly consulted customer service later and found that the card was blocked. Of course, there is a similarity between Huaxia's card closure and reduction, that is, most of the cardholders who have recently reduced Huaxia's rate have been reduced by other banks before, and the reason is basically that there is a problem with the card, and a small part of it is that the credit is overdue and the card is blocked.
3. Everbright. According to the feedback of cardholders, it is still consuming normally at noon, and it will be directly derated at night. Reply through customer service feedback: Sorry, according to your current credit status, card usage and risk information collected by our bank, in accordance with our bank's credit evaluation policy, we will take corresponding control measures for your credit card. Seeing this cardholder who was safely derated last year is not a little familiar? Isn't this the derating caused by external credit?
That is, your recent credit liabilities, especially those caused by online loan liabilities, can only be slowly optimized to create data.
4. Chang'an Bank.
Recently, some cardholders have reported the reduction, and the reason for the reduction is cashing out, and it is also a heavy arbitrage behavior, which is understandable if it is directly reduced. After all, I often walk by the river, how can I not get my shoes wet. There is no such thing as absolute security. In the later stage of this kind of severe disease, even if you want to alleviate it through staging, it is not possible.
And now the credit card limit reduction is generally a chain reaction, once it is reduced once, it may be reduced many times in the later stage, and the card is basically abolished. Therefore, cardholders should pay attention to the way of swiping the card in the process of using the card, do not cash out all at once, and at least make more real purchases after swiping the card. Moreover, this consumption is not limited to the consumption scene and consumption amount, as much as you want. Secondly, it is recommended that the same card should not be swiped more than three times in a row, and that each card be swiped two or three times for daily small consumption, and it is recommended to increase the terminal with a high frequency of card swiping.