At the end of each year, banks will increase their risk control efforts, and a wave of credit card closures and deratings will hit. Many card friends are worried that they are being controlled by the bank. The following tells you which cardholders are vulnerable to sealing and derating.
Netizen A participates in the activities launched by the bank, according to the requirements of the activity: 5 times a week, a total of 8 weeks, can get a prize of 2,590 yuan. Unexpectedly, I didn't wait for the prize, but I was told by the bank that the card was too frequent, the card was suspected to be cashed, the credit card was frozen, and more than 70,000 points in the card were also cleared.
There are quite a few card friends and netizens A encountering similarities. On the one hand, the bank encourages us to swipe more cards. On the other hand, we suspect that we have set up, now, why?
First, in the end, which transactions are easily defined by banks as having a set of suspicions?
1. Credit card merchants' public welfare, personal mobile POS, real estate, steel trade, these categories of frequent large-value transactions belong to the bank's key risk control industry.
2. Concentrate on large-value trading low-frequency trading cards, and suddenly one or more large-scale transactions will be concentrated. The chances of being verified by the bank's customer service will increase geometrically.
3, the amount of credit card is large and the number of credit card transactions exceeds 5000, and all are integer consumption, such as 10000, 20000, 50000, etc., then the probability of you being derated by the bank is very large.
4, the card interval is short
Within 2 hours, there are multiple transactions across provinces and cities. If your card is not stolen, there is indeed a suspicion of cash.
5, if you have finished brushing all the quotas, if it is tens of thousands, 1 brush will complete the empty card, which will easily cause bank doubt.
6, non-business hours to swipe the card (generally after 8 o'clock in the morning before 8 o'clock in the morning)
Frequent credit card spending in the latter half of the night, the system will also consider the transaction at risk.
7, one-time repayment and one-time brush out, especially on the due date of repayment, and then brushed out once, this is taboo.
Warm reminder: Ping An opened the killing, often set the card, and quickly staged, now a large area, the derating storm began, inferior customers, pumping funds to the safe credit card, and a new generation, warn you card owners, cherish Use the card. Ping An Bank has received more credit card card feedback and received text messages. In addition, CITIC, China, and transportation have also entered the state of strict investigation. The friends with cards have paid attention to it!
A fan commented that his credit card was suddenly dropped by 90%, making him a little confused.
What about consumption abnormalities? How to avoid?
Mission: Repayment on time, diversified consumption, credit card swiping, multi-card swiping, proper staging, reasonable overseas consumption
1. Try to spend as much as possible on various physical merchants, and try to avoid spending on a few or a few types of merchants, such as restaurants, supermarkets, paying taxes, buying building materials, buying tanks, etc. Try to brush the place where you can swipe the card, and use at least 40% of the current quota for at least 3 consecutive months.
2. Avoid frequent large-scale transactions (including online payment methods such as Taobao) in the same merchant, so that it may be suspected of being a TX act. In other words, in addition to the official card, your personal name is printed on the credit card. It is mainly based on personal consumption. If it is used for public procurement, it will not reflect the actual economic situation of the individual.
3, try a variety of transactions and repayment methods, have the opportunity or need, do the installment payment, the group purchase in the online shopping mall, the instalment of the physical store or the billing DIY, which is also beneficial to the amount.
Applicable to increase the fixed amount once every 3 months, you can try it, whether it can be approved and how much can be approved, it will be comprehensively evaluated according to the past card and repayment record.
4. The teenagers who are committed to improving their own quotas have certainly not heard this sentence. How to diversify the consumption, the bank is kept secret. Banks are not charitable banks need to make a profit, part of the bank's profit comes from the installment fee, so you know ~ In addition, more in the store and other places to consume.
5, there is a taboo, the bank hopes that the credit card becomes your consumption habit instead of the profit tool, do not want to make the credit card quota to make money.
I want to set it up now, and I will burn it if I don’t lower the amount. It is said that it is necessary to use 80% of the quota or to explode these. It is reasonable to use the card. Many people will normally use 20% of the quota, and the amount will be increased every three months.
At the end of the year, many of my friends’ credit cards were blocked, which made the flow of funds more tense and worse, and there was a risk of overdue. If the funds were already tight, the credit card would be used. Once the credit card was sealed, the credit card should be filled. The money, hardships, only those who have suffered such a hard time understand. The importance of cash flow is not to be said. In many cases, the boss of a company has a deeper experience. There is a famous saying in the industry: "The flow of funds is constant, it is an asset; the capital chain is broken, it is a liability." It’s even harder to get up again. The taste of this place is only understood by the people who have experienced it.
The credit card will be deducted by the bank, mainly to touch the bank's risk control system, so that the bank feels that you are cashing, not safe, not normal consumption, the bank will monitor beforehand, and then stop loss, these are with our daily routine. The bad card habit has a direct relationship. The purpose of the bank is to ensure the safety of his funds. The other is to ensure that the cardholder’s card will be stolen. These are very strict banking supervision.
The Homecare Bed is a Hospital Bed specially designed for patients with inconvenient mobility to use in home care. Its main purpose is to facilitate nursing care by nursing staff and facilitate patient recovery.
Homecare beds can be divided into manual homecare beds and electric homecare beds according to the operation mode.
Our manual nursing beds can be clearly divided into single crank manual bed, two cranks manual beds and three cranks manual beds, according to the number of hand cranks.
Our manual homecare beds are also supplied with integrated split side rails as a standard feature to assist with sit-to-stand procedures & enhance patient safety.
Manual Homecare Bed,Hospital Crank Bed,Hospital Homecare Bed,Healthcare Medical Bed
Jiangmen Jia Mei Medical Products Co.,Ltd. , https://www.jmjiameimedical.com