When friends spend their cards in real life, there are always some credit cards of friends who are inexplicably frozen and sealed by banks. This brings a lot of inconvenience to the daily cash flow of friends. So why are friends frozen and blocked by the bank during the process of using the credit card? The theme we are going to talk about today is the main reason why credit cards are deducted by banks during their daily consumption of credit cards.

Let us say which five main reasons are that the credit card will be frozen and sealed by the bank:

1. Suspected cashing causes freezing

Frequent use of POS machines for large-volume consumption, especially the obvious cash-out characteristics, has caused UnionPay to have doubts about your credit, banks will lower your credit card quota, and if the circumstances are serious, they will directly seal the card.

2, repeated overdue payments

The solution to the overdue repayment of the bank by the bank to freeze and seal the card is to repay the loan as much as possible, or to invoice the bill, call the customer service to request the thawing, the result may be derated, but if the number of overdue is not much, the general customer service will Give thawed.

Nowadays, the topic of credit card cashing is becoming more and more popular. At the same time, the bank is also constantly cracking down on the strength of cash-out. The situation of sealing and derating is more common. According to the way of cashing out, the following ways are very Easy to be handled by the bank.

Simulating the normal consumption of people is still difficult to escape the monitoring of the bank. The card that is “raised” by the POS machine agent will be swiped every morning in the POS machine agent for the small supermarket MCC (business class code) and the small restaurant MCC POS machine. The general amount is also a few yuan. To tens of yuan, simulate a normal person to get up early to buy breakfast, buy cigarettes. In the morning, these cards generally do not move. At noon, the cards will be brushed by the hotel's MCC POS machine for a few tens of dollars; and for a few weeks every week, the cards may be spent one or two hundred yuan in the tea house and the store.

The POS machine "office" in this pile of POS machines, MCC covers 0.38%, 0.6% grade rate. In the view of the POS agent, this will not only make the card consumption look "normal", but also give the current set of cover as a cover. It can also accumulate normal points and other bank "upgrades" for cards that are not used for cashing. The card-issuing bank earns a bit of money, but once it is discovered by the bank, it will definitely stop the card.

The following three situations are what friends should pay attention to:

1. Set code and skip code of mobile phone POS machine.

At present, the proliferation of mobile phone POS machines on the market has led to a chaotic state of credit card consumption records. For example, Mr. Z lives in the north, and he spends a 100 yuan transaction on the mobile phone POS machine. The registration information of the merchants in the bank due to the mobile phone POS card may appear in another southern city. Once Mr. Z has consumed in other places on the same day, he will encounter a similar situation, and a credit card will be recorded in several different cities within one day, which will be checked and sealed by the bank.

2. The location of the card is inconsistent with the location of the merchant registration, and the overseas POS card is often used. The overseas POS machine is the equipment that the section chief has been reminding friends to use with caution.

3, often in the network consumption and scan code ratio is too high, because online consumer banks have no profit. Banks that do not make money to the bank will punish you.

Of course, if the cardholder is forced to freeze the bank account by the court due to various disputes over the property, the credit card will be frozen. This kind of situation is relatively rare. First of all, we must first solve the lawsuit before we can freeze the credit card.

The swipe artifact that automatically switches the merchant code is being blocked by the bank card, using a swipe artifact that can automatically switch the merchant code, that is, without having to configure too many POS machines, the complex “multi-variety consumption” can be completed, so as to “shake the point” "Banks and clearing houses. However, this “automatic” merchant transformation is too “extensive” and cannot accurately simulate the daily living places. Imagine that this POS machine has become a revolver. Every time a transaction is made, it is like a particle bomb. The data of the back-end system will automatically change. But the bank's system is already very familiar with your consumer behavior, and once you use this POS machine frequently, it is very easy to be investigated by the bank.

Summary: Many credit card holders are very keen on credit card maintenance, and the card is mainly divided into two parts: one is purely technical hobbies; the other is because of credit card debt pressure and find ways to raise the card. The section chief wants to tell friends that credit cards are a tool in the end. How to use credit cards as a starting point for your own career is what your friends need to think about when using credit cards. The section chief has seen many friends who use credit cards only as a consumer overdraft facility, and ultimately they are only waiting for endless debt. This website has always advocated the rational use of cards, rational cards and scientific cards, so that our lives will be more colorful. I hope this information will help my friends.

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