First of all, please use the card reasonably, repay on time and avoid bad credit records. If it is overdue, please raise funds to repay it as soon as possible; Secondly, if it is not overdue, but the card is restricted, you need to check the account. Because Baidu platform can't verify account information, please call the customer service phone on the back of the credit card to enter manual inquiry and verification. ?
1. Behavioral characteristics of 10 "high-risk credit card":
1. Anyone who submits information through an intermediary will be directly blocked as long as there is suspicion.
2. Repeat the operation on the same POS machine for several months.
3. The credit limit of a card is 10000. Once activated, it will be swiped off the pos machine.
4. swipe the same card on the same capping machine on a fixed date every month, occupying bank funds.
5. There are transactions outside normal business hours, such as after-hours transactions of merchants in wholesale markets.
6. Too many people pay with Alipay in a short period of time, such as CITIC's single highest 1000, multiple transactions 99899589999 and other similar figures.
7. The credit card has been empty for a long time. For example, it takes a short time to enter the whole number on the repayment date, and the whole number comes out. At other times, there is no credit card record, and the number of times is less than 2 times. It can be found out by operating the background system for several months.
8. Your own credit card can also be tested by regular brushing with your own POS machine.
9. Integer single transactions, such as10000,50000,10500,50500, are all suspected of cashing out.
10. The same card has transactions at two or more terminals within 30 minutes, whether it is successful or not, including balance inquiry.
Extended data:
Application conditions
1, 18 years old or above, with full capacity for civil conduct, good credit standing, China residents, foreigners living in China, Hong Kong, Macao and Taiwan? Cell, you can apply for a credit card personal card master card to the card issuer with your valid ID card. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity.
2. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in financial institutions in China can apply for a business card to the card issuer with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (if applying for an international business card, they must also have a foreign exchange settlement account).
3. When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use relevant materials.
4. According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the way of guarantee, and determines the way and type of obtaining the card, the credit line approved to the applicant, etc. Failed application materials will not be returned.
5. The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).
6. After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.
Baidu Encyclopedia-China Merchants Bank Credit Card