What is the reason for the closure of a bank's credit card? Indeed, the closure of a bank's credit card is usually due to the identification of the card as a 'high-risk credit card', such as the suspicion of cash out. So, specifically, which card using behaviors may lead banks to have such an idea? Let's take you to know eight kinds of card using behaviors suspected of cash out.
Eight kinds of card using behaviors suspected of cash out
1. Do card channel is not right: through the intermediary to hand in information, as long as there is a suspect will directly seal the card.
2. Single place for card swiping: repeated operation in the same POS machine for several months.
3. The amount of credit card is not right: for example, the amount of a card is ten thousand, which is swiped off on the POS machine as soon as it is activated.
4. Frequency of card swiping: the same card swipes on the same low rate POS on a fixed date every month, which takes up bank funds.
5. Doubt about the time of card swiping: there are transactions beyond the normal business hours, for example, there are transactions after work in the wholesale market.
6, the amount of consumption is doubtful: in a short time, too many payments are made by Alipay, such as the highest number of CITIC single, 1000 times, 998995899999 transactions and so on.
7. Integer single transaction: such as 100005000010005999899519999.501020204001050500, etc., all of them are suspected of cash.
8. Frequent transactions: the same card has transactions on two or more terminals within 30 minutes, whether successful or not, including checking the balance.
How to deal with the blocked credit card
1. Re apply for a new credit card
Apply for a new credit card in the bank through online banking or bank counter. The card type cannot be the same as the sealed card.
2. Provide transaction receipt to bank card department
This method is applicable to the credit card suspected of cash out by the bank. If you call the customer service directly to say that your credit card has been sealed, the customer service will ask the cardholder to provide the consumption invoice and POS purchase order. As long as you can issue a formal invoice and POS purchase order for the consumption suspected of cash out and send them to the bank mailbox by fax or scanning.
3. Automatic unsealing of cross regional restrictions
Generally speaking, if there is a sudden cross regional or overseas consumption transaction of a credit card, the bank will seal the cardholder's credit card in order to protect the possibility of the cardholder's credit card being stolen, and then contact the cardholder by phone to confirm that it is his own transaction, which will be automatically unsealed.
4. Customer service calls to confirm unsealing
If you are blocked because you are overdue, you can call customer service to explain your situation and guarantee that you will not make it again in the future. Generally speaking, most banks can unseal their cards, but only if they are seriously overdue; Another situation is that the bank suspects you cash out. This is the time to show your real strength. We must deal with the customer service thoroughly, and make all our consumption reasonable, so that the bank can not find your flaws.