The following habits make it easy for your credit card to become a "high-risk credit card"
In general, the main reason for the credit card being frozen is that the bank thinks your credit card is a “high-risk credit card†and some of your card usage has touched the bank’s bottom line. Card sister reminds you that the following "small actions" will not be done in the future!
1, single card swipe
If the same card is repeatedly operated on the same POS for several months, or if the same card has transactions on two or more terminals within 30 minutes, it may be considered as an abnormal card.
2, the credit card is not correct
Xiaobian learned that, for example, if you have a card with a quota of 10,000 yuan, each time it is brushed on the same machine at one time, it is easy to be listed as a blacklist of "high-risk credit cards."
3, the frequency of card swiping
The same card, the monthly fixed date is brushed on the same topping machine, or continuously brushed more than 2 times on the same machine on the same day, and brushed more than 3 times on the same machine in one week. These “small action†banks are all in sight. It is.
4, the card time is doubtful
Non-business hours are dangerous periods for card swiping, such as 10:00 pm and go to the supermarket for credit card spending, etc. These actions will be suspected by the bank.
5, multiple overdue repayments
Xiaobian understands that when the cardholder has repeatedly overdue or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior and continue to provide circular credit for it. The risk is high and it will be unilateral. The use of the credit card is terminated, which means that the cardholder will find that his/her credit card is frozen and cannot be consumed.
5 cases can lead to credit stains
1 , Some white or "big head shrimp", applied for a credit card, even when the billing date and repayment date are unclear, only hope that there will be a bank SMS to inform you of the repayment.
Don't worry about overdue for a few days, first actively pay off the outstanding principal and interest, which is the first step in credit repair. You can call the bank customer to explain the non-malicious overdue. Generally, these credit card companies like GF/CMB have a grace period, while state-owned banks are hard to say. In short, the standards of different banks are different.
2. Xiaobian learned that some of the Sao years, using the network to pay quickly, such as ant flower buds and Jingdong white strips, spend the future money is not soft...
If you are a new human, then you are certainly no stranger to this type of payment - Taobao shopping can use the "flowers" installment payment, Jingdong can use white bars to shop, travel, rent, decorate the rent, Baidu wallet "have money You can also pay tuition and travel expenses, and Alipay’s “borrowing†can also lend you money like a friend...
Here, Xiao Bian wants to remind everyone to be cautious, although it is said that (white bars, flowers, etc.) such online lending also has an interest-free period of about 30 days. Borrowing, micro-crediting, personal credit credit can be staged like a credit card, but once missed The repayment date is overdue, and it is also necessary to apply for a letter to make you a credit black!
3. The mortgage is overdue. If you buy a house, don't think that everything is fine. Multiple defaults on mortgages may be sued by banks, and will affect their own credit history. In serious cases, banks will require early recovery of loan principal and interest, otherwise they will close the building.
4. If the loan is borrowed from a small loan company or a P2P platform, it will be credited.
Now the blacklist information on many platforms is linked. In short, become Lao Lai, you don't want to escape.
5. There is a problem with securing a loan for someone else.
The righteous person is also easy to be swept by the credit blacklist because the loan is guaranteed for others. If the other party owes money or fails overdue, the guarantor’s personal credit will also have a bad record.
The consequences of a secured loan are extremely easy to ignore, but it is an indisputable fact that it is “sit-and-sitâ€.
Therefore, in today's daily life, more and more people have become "credit black households" in the eyes of bankers because of negligence.
Credit card taboo
Taboo 1, credit card overdue
Credit card overdue repayment is a bogey, card friends should avoid it. Once the credit card is overdue, it will not only pay high interest and late fees, but also affect personal credit history.
Credit card overdue "On the personal credit report, it shows the credit card's repayment history for the last 24 months. After the expiration, the card friend normally uses the credit card for 24 months to cover the previous overdue record.
Taboo 2, credit card withdrawal, staging is normal
Why is it that cash withdrawal and staging are one of the taboos? Card friends who often use credit cards to withdraw cash and install them in stages.
The annual interest rate for credit card withdrawal is as high as 18.25%, and the actual interest rate for billing instalments is as high as 15%.
When the card friend over-extended the credit card, he had no choice but to withdraw cash and repay the loan. In the long run, high interest rates on credit cards will make you unable to make ends meet.
Taboo 3, credit card cash
Credit card cash can be used to obtain funds, reducing interest expenses, but cardholders need to repay after all. Once the interest-free period is exceeded, the overdraft interest (0.05% daily interest rate) and overdue late payment fees are still required to be repaid during the interest-free period.
What's more, credit card cashing is illegal. It is very likely that the bank's risk control will result in the credit card being derated, and the card will be severely blocked.
Taboo 4, credit card to card card
Credit card "cards with cards" is also one of the card taboos. Although the card can be used to raise cash flow in the short term, it is accompanied by high interest rates, late fees, and penalty interest. Card friends have been doing this for a long time, and it will not be worth the candle.
For the beloved baby, many people have chosen to bind credit card consumption, and the result is that the shopping cart is emptied, and the credit card repayment problem is followed. Xiao Bian once again reminds everyone that credit cards are a convenient product for people to provide short-term consumer funds and credit services. However, if cardholders improperly swipe their cards, it is easy to make a mistake and become a "card slave."
Cat Litter Box is a necessary pet product for cat owners. From an early age, we should develop the habit of fixed-point excretion of cats and the habit of using litter pots. In order to meet the habits of different cats and the needs of their owners, there are all kinds of litter boxes.
1. Half Enclosed
There is no fence above, only baffles around. This kind of litter basin is very suitable for kittens, and it is very convenient to get in and out.
2. Fully Enclosed
It's like a box with only one or two mouths. This will not only avoid the emission of odor, but also prevent splashing in an all-round way.
3. Automatic Cat Litter Box
It's a litter basin that can clean up the waste by itself without the owner's hands. Be careful when using it. It is best to use it for larger cats, which can sense weight well and avoid accidents.
For the above two, the owner should clean up the waste in time. Otherwise, feces exposed to the air will attract small insects and increase the spread of bacteria. In the case of full closure, the smell will stay inside, and the cat will not want to use it next time.