The four major risks that lead to the derating of the card, know not to step on the thunder in advance!
Editor: PomegranateSource: PomegranateDate: 2018-11-08
When we are still laughing at the fact that Americans live on overdraft credit cards, in fact, the country is quietly changing.
In recent years, the number of credit card issuances of banks has soared. At the same time, the decline in the savings rate of residents is also very alarming. What happened to the people who love to save money?
Many young people living in big cities have almost one credit card, and some even hold several. "Moonlight" and "Canu" are no longer new words.
Young people want to rent a house or buy a house, and consumerism is popular. It is hard to save money. It depends on credit card. Some people also use credit cards as a financing tool, relying on credit card to make up the first payment for a house or to buy a car in installments.
The two sides of a credit card are actually quite obvious. On the one hand, if used improperly, it may encourage excessive consumption and let the cardholder bear the debt that is not commensurate with its income level.
On the other hand, as a simple and easy-to-use consumer credit product, it has many uses. As long as it avoids high-cost pits (not overdue, not cashing, no staging), it can be regarded as a turnaround emergency. Second, after all, the cost of capital is still relatively low.
It is necessary for a person or family to have a certain credit card quota. You can give full play to the maximum value of the credit card and use it for me. However, you must keep your mind in the process of using it and avoid falling into the trap of advanced consumption.
Banks are crazy to issue cards, of course, hope to make money by credit card. The more you brush, the more overdue repayment or the installment, the more the bank will earn.
It should be noted that large-scale card issuance will inevitably lead to an increase in overdue rate. In fact, the total amount of credits overdue for half a year in the first quarter of 2018 has reached 71.148 billion, seven times that of the same period in 2010. Bank risk prevention and control will also increase.
This is also a game process. If you can't bring profits to the bank or increase the credit risk, the bank may reclaim the credit card amount given to you, that is, it will derate and seal the card.
The bad news is that CITIC Bank has recently derated a large area.
Many friends have received text messages for derating, and the amount is half light for half-cutting, and some have dropped directly from hundreds of thousands to thousands.
Then the problem is coming,
What causes the bank to derate or even seal the card?
1. Credit card is seriously overdue
If the credit card is seriously overdue, the overdraft amount is large or the overdue time is long, the bank is worried that retaining your credit card high amount will easily lead to more losses. In order to reduce the risk, you will be derated and severely blocked.
There is nothing to say about this, regular operation.
2, improper brush set
Why do you have a set of brushes?
1 raising the card
People brush POS machine cash in order to form a certain card record, help to raise the amount of cards, it turns out that it is most useful to ask for the amount, or the real transaction.
2 for licking wool
In order to score points, or meet the requirements of some banking activities, and so on.
3 Capital turnover
Most people do credit card cashing in order to use the funds in the credit card for investment and even speculation.
4 In order to avoid annual fees
Many credit cards require a certain number of times or the amount of money to be exempted from annual fees within one year. However, after someone has applied for a credit card, there is no need for real consumption. In order to reduce the annual fee, false transactions are cashed out.
Banks have their own complete risk assessment system, which will detect the risk trading of cardholders, such as long-term large-scale transactions in the same merchant or the same type of merchants; for example, large-value integers will be flushed immediately after repayment; Credit card; for example, a large amount of credit card during abnormal business hours, etc.
Sometimes the bank will “remind” the cardholders who are cashing in and let them apply for the installment. In this case, it is best to handle it, otherwise it may be punished by the bank. If it has already been derated, it is basically equivalent to a "black house". It is more difficult to restore the amount.
3. Card transactions in high-risk areas
This situation is relatively rare. If the cardholder suddenly has a credit card transaction in a high-risk area (such as Southeast Asia), credit card theft in high-risk areas is relatively embarrassing, and the cardholder suddenly risks trading in these places and the risk of credit card theft. Higher. In order to prevent further losses, the bank may process the credit card, deduct the amount, etc.
In this case, if you call the bank to explain the situation, you can generally restore the quota.
4, long-term use or low frequency of card swiping
After the activated credit card is not used for a long time, or the frequency of the card is low, and the amount of use is small, it may cause derating.
For example, CITIC issued a notice in May, “Derating the credit card that has not been traded for more than 6 months.” Many people have temporarily swayed their feet and brushed a wave. Otherwise, will they be deducted?
ICBC often does this and sends a text message to the cardholder. "At present, your credit card with the ending number of *** has not been used for more than 6 months. In order to ensure the security of your card, the Bank will recently calculate the RMB amount of its corresponding account. Adjust to ***. If you use this card within 2018*month*, the amount will not be adjusted."
In this case, if you still want to protect the card, then it is recommended to brush as much as possible to break the zombie state.
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