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The bank's mandatory suspension
Editor: Wang YinanSource: Rong 360 originalDate: 2013-12-04

Summary:

After Zhang had handled a bank’s credit card and used a credit card for a large amount of consumption, the bank immediately closed the card and suspended it. What is this? Is not a credit card used for consumption? Why did you stop spending and you still need to re-open the card first?

The bank’s use of a card has the risk of forcibly stopping two quality customers.credit cardThis is why, let's restore the situation at that time.

      Case number one:
Xiao Zhang is a company's white-collar worker. He used a credit card for one year and clearly knows the relevant rules of the credit card. After enjoying the maximum interest-free period every month, the loan will be repaid on time and no overdue period has occurred. Recently, I bought small purchases for my family, so I would choose to pay by credit card when I purchase. Zhang brushed his credit card and was told by a bank that the credit card was suspended due to the risk of using the card. When Xiaozhang called the other party to ask for an explanation, what did the so-called "risk" specifically refer to? Customer service can not answer, always vaguely condemned. "Say I always swipe the card in one place. Is there a requirement in the bank to swipe the card in one place? My credibility record has been very good. No matter how the credit card is never owed to the bank's money, this time it's inexplicably stopped for me. It's really disappointing!"
Xiao Zhang recalled, “Afterwards, the bank came to the telephone to provide a consumer invoice for the last three months to give the use of the recovery card, or personal consumer invoices. Customers who have a concept of consumption know that whoever will consume every time they invoice, And consumption will certainly not be invoiced to the personal name, 2W credit line is not very concerned about, but the forced suspension of the card as a consumer is very much do not understand."

      Case 2:
Not long ago,CITIC BankThe loyal customer Xiao Hu used a credit card to buy a car. The card's own quota of 5w was credited with 40,000 credit cards. After being directly sealed by the bank, he did not tell Xiao Hu that the card was frozen. When Xiaohu used a credit card to buy other things, when the POSS machine couldn't swipe the card, Xiao Hu called the customer service phone to find out the reason, and realized that his card had been sealed. He said that the useful card was at risk, and he was suspended. . Xiao Hu requested the opening of the card, and the customer service personnel explained that “the use of the card can be used, and only the first payment can be fully paid before the card can be used normally”.
What's happening here? After using a credit card for a large amount of money, the bank immediately closed the card and suspended it. Credit cards are not used for consumption. Why are they still being used to stop spending cards? They are required to repay the card before repayment.

For various situations, it is actually used by some peopleCredit card cashing, To find the businesses that they are cooperating with, to talk privately about the composition of the agreement, and even more to find the shops that cash in, to pay high fees to cash out, to realize their own interests. In order to control this kind of risk, banks generally use large amounts of money for their customers. The customer service staff will make telephone calls and verify that whether the credit card shop and the amount of money they are spending are correct, and avoid the possibility of cash out.

Xiao Bian concludes: It is best not to suddenly use a credit card for a large amount of money. The bank will have an automatic system. If there is very little consumption at ordinary times, there will suddenly be a large amount of consumption. The bank will think that there is a shortage of funds and there are cash suspects. There is also a possibility that the shops that frequently swiped cards have cashed out and are checked by the bank, so they will be sealed by the bank. Otherwise, the bank will not seal the card casually. If you are experiencing financial difficulties, you can choose to dial the credit card customer service phone to apply for a bill, or choose a slot after the card is swiped. Even if you want to spend a large amount of money, it is recommended that you first call the customer service phone to explain the situation, to avoid the POSS machine can not brush the past, but also to avoid It is sealed without knowing it.

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