Netizens complained that a CCB gold card he used daily was suddenly limited, and he was asked to go to the counter to handle the amount increase. However, he went to the outlet to handle it without success, so he filed a complaint**.
Banks have created a new system model for assessing customer ratings, but this model may be too strict or inflexible, resulting in normal transactions being misjudged as abnormal transactions and being restricted. For clients, such limits can be confusing for their day-to-day use or urgent funding needs.
Affected customers can consider the following coping strategies:
1.Communicate with the bank: Communicate directly with the bank to explain your spending needs and circumstances to see if it is possible to get special consideration or manually adjust the limit.
2.Provide additional proof: Provide proof of real estate certificate, social security and other supporting materials according to the bank's requirements, and try to increase the credit limit.
3.Tiered increase: If the bank allows it, you can try to increase the quota every three months in accordance with the bank's tiered quota increase policy.
4.Diversified use of cards: CCB Gold Card is used as a secondary card, while other bank credit cards are selected as the main card to meet different consumption needs.
5.Switching banks: If CCB's limit policy has a significant impact on customers, customers can consider switching to other banks to find bank card products that are more suitable for them.
6.Monitor account activity: Regularly monitor your account's trading activity to ensure that you are not misjudged by the system due to sudden large transactions.
Finally, the client should understand that the bank, as the custodian of the funds, has the obligation to create receivables, that is, pay interest, in addition to the safety of the funds in the bank, and the bank should not have any right to impose restrictions on the use of the client's own funds. But complaints don't work, do they all exist at home, back to the cash society?