China Merchants Bank's savings card shows that the counter business is stopped due to abnormal transactions. Specifically, you can bring relevant certificates and bank cards to the outlets near the bank to consult the relevant staff.
Off-site is actually not the most serious general off-site. The main reason is that your account is abnormal and needs to be screened and explained. Most importantly, you should not be suspected that the large amount of transfer in and out is inconsistent with the usual transaction. Sudden transfer or multi-person transfer. Now banks all over the country are afraid of problems. Pay attention to the use of accounts at ordinary times.
Off-counter bank cards can be operated and handled in person at the bank counter, but other channels such as online payment, ATM withdrawal and credit card consumption are not available. In addition, if the counter is triggered, it will be much more troublesome, depending on whether the money can be taken out of the counter. If you can take it out, you will be relieved. If it can't be taken out, it will be difficult.
1. The account comes in and out frequently, so it is easy for banks to judge that there is something wrong with the account. If it is a formal transaction, you can explain it clearly to the bank. If it is an abnormal transaction (virtual currency transaction, online Du, etc. ), it is recommended to take it out at the counter as soon as possible.
Don't panic when you meet someone who is not at the counter for the first time. Take your ID card and bank card directly to the nearest corresponding bank counter to withdraw money, and then close the account if possible.
3. China Merchants Bank, China Construction Bank, Shanghai Pudong Development Bank and China Bank are all easy to get off the counter, especially China Merchants Bank. Users should be extra careful.
If the mortgage card leaves the cabinet, don't worry, it won't affect the normal deduction of the bank, as long as you save enough money.
It is said that the purchase restriction can be solved in five years, but no one has relevant experience to talk about at present, and I can't guarantee it.
6. Off-counter will affect the corresponding credit card, and reducing the limit will limit the use.
7. Never go to Du's net again, and be extra cautious in virtual currency trading. There is too much black money, not the counter, not a trivial matter, but freezing is the big thing.
Update 202 1 again on June 9th.
1. The bank will receive a list from the Public Security Bureau to restrict non-counter. There is no solution at present, so the card will be broken.
As long as you don't participate in buying and selling bank cards, you don't have to worry about being on the disciplinary list.
3. Non-counter does not affect credit reporting.
What is the reason for the failure of China Merchants Bank's credit card payment?
Hello, the common reasons for the failure of credit card online payment (including mobile payment) are: 1. The online payment function of this card is not enabled or exceeds the online payment limit. You can log in to mobile banking (web version) and enter the "online payment" settings and modifications; 2. No query password was entered. If you forget to check your password, click here: (Reset) 3. Exceeding the single limit of our specific payment channel. Credit card. The available credit card limit is insufficient.
What does it mean that the repayment amount of China Merchants Credit Card exceeds the limit?
China Merchants Bank's credit card consumption reminder amount exceeds the limit, which is usually caused by the following two situations:
1. China Merchants Bank has restrictions on online payment and daily payment. This payment limit can be modified by calling customer service or going to outlets.
2. China Merchants Bank has imposed restrictions on merchants, which means that the merchants are blacklisted by China Merchants Bank. If another merchant can spend normally, your card is normal.
The reasons for this are:
1. Customer Settings Single Line.
2. Online transactions or control restrictions due to bank risks.
3. Because the customer's bad credit card records are monitored by the bank, the bank limits the single amount in certain merchants (some people will use credit cards to do business, because credit cards have an interest-free period, in fact, this bank can monitor).
The transaction limit of each credit card used by the cardholder shall be granted by the issuing bank according to the credit status of the cardholder. Business exceeding the trading limit can only be accepted by special merchants and business institutions authorized by the issuing bank. The trading limit of specialized banks is stipulated according to the transaction type and card type.
Extended data:
It is relatively simple to release the risk control when the transaction amount exceeds the limit, because the reason for this risk control is relatively simple. As long as the reason is that merchants of the same type often spend money by swiping their cards frequently, especially for large transactions, you can try the following measures to relieve risk control. Specifically, we can do this:
1, diversified consumption
This is very important, you should avoid the same type of business of risk control. For example, if your supermarket is controlled by the wind, then don't brush such businesses again. Can brush hotels, restaurants, cinemas, home appliances, entertainment, fitness, tourism and other businesses controlled by the wind. After 2-3 months of diversified consumption, you have no problem again.
2. Pay attention to the credit card limit.
The amount of credit card spending should be unpredictable, and the amount of large, medium and small changes, and the small amount should be brushed more. Each sum should be below 500 yuan, accounting for 60 ~ 80% of the bill. Occasionally, you can make large transactions, but don't have leopard numbers and big integers like 888, 999, 10000.
3. swipe your card during normal business hours
The time to swipe your card should be logical, especially during normal business hours, that is, you can swipe your card from 8 am to 9 pm. In addition, it is best to swipe your card every half hour, and the number of swipes should not exceed three times a day.
4. You can recover after communicating with the bank.
Another reason why credit cards are controlled by the wind is that the bank's risk control system automatically captures the abnormality of your account. At this time, as long as you communicate with the bank, it means that you have not cashed out. If you can provide proof of consumption, you can also lift the risk control.
Baidu Encyclopedia-Credit Card Overlimit Fee
What is the abnormal state of China Merchants Bank Card?
Bank card status is abnormal, usually due to improper daily use of the bank card or suspected violation, which is frozen (or locked) by the banking system! Generally speaking, I take my ID card to communicate with bank outlets and handle related business.
Abnormal bank card status
Under normal circumstances, the possible reasons for the abnormal status of bank cards are: incorrect password input of bank cards for more than 3 times, expired ID cards, frequent transfer of bank cards, and legal cases involved.
1, the first point: the bank card password was entered incorrectly for more than 3 times and locked.
Solution: Normally, if the password is entered incorrectly and locked, it will not be unlocked automatically. You must bring your ID card and bank card to the bank counter to unlock it (at any branch of the bank), so the processing time is very fast.
2. The second reason: the ID card has expired.
Solution: If the ID card left by the bank has expired when opening an account, then you should take the updated new ID card to the bank counter and choose your own bank.
3. The third reason: If the bank suspects you and you transfer money frequently, your bank card status will be changed to abnormal.
Dissolution method: you need to explain to the bank at the bank where you open the account, explain the purpose of your bank card, where the funds come from and where to transfer them. If you are right or wrong after the bank audit, you can dissolve.
4. The fourth reason: If your card is involved in a legal case, the bank card will be frozen by the judiciary.
Dissolution method: You should handle the legal-related cases first, and then you can withdraw money after closing the case.
5. The fifth reason: the bank card expires: if the card face of the debit card is printed with the expiration date, it proves that the card will be abnormal if it exceeds the expiration date; If you don't print it, there is no expiration date.
Solution: reapply.
6. The sixth reason: the bank card is not activated: the cardholder needs to activate according to the instructions of the credit card and cannot use it directly. Debit card does not need to be activated, but if it is a sleep account, you need to bring your ID card and debit card to the bank for activation.
Solution: activate it on the same day and use it on the same day.
Reasons for Failure/Unsuccessfulness of Credit Card Online Payment in China Merchants Bank
Double 1 1 is coming, and many cardholders have already prepared China Merchants Bank credit cards, just waiting for online payment. However, I believe that many card friends don't know much about the online payment of China Merchants Bank's credit card, which leads to the failure of credit card payment during the transaction. The following are some common reasons for credit card payment failure.
Many online shopping malls support online transactions of CMB credit cards, such as Taobao, JD.COM and Suning. Card friends who want to buy online can enjoy online shopping as long as they bring your credit card.
1. How to pay online with China Merchants Bank credit card?
As long as friends who have bought online should be familiar with how to use credit cards for online payment, its operation is actually very simple, and it can be easily done in four simple steps. The specific process is as follows:
1. First find an online mall that supports China Merchants Bank's credit card, and then enter the account password to log in. Take Taobao as an example.
2. After logging in Taobao, select one or more commodities, add them to the shopping cart, and then click the settlement button to pay.
4. Select "China Merchants Bank Credit Card" as the payment method on the payment page, and enter your China Merchants Bank credit card, expiration date, security code and dynamic SMS verification code.
5. Finally, enter the transaction password, click OK, and the payment is successful.
2. What if online payment fails?
There are many reasons for the failure of online payment of China Merchants Bank's credit card, including the failure of online payment function, insufficient available quota, incorrect information input, exceeding payment limit and so on. , as follows:
1. Online payment function is not enabled: this is an important prerequisite for online payment. If you don't know how to open online payment, please click me to see the specific opening method.
2. Insufficient available amount: If the available amount of your CMB credit card is only 5,000 yuan, but the price of the goods you buy online is 5 100 yuan, then the payment will naturally fail. In this case, you can apply for a temporary withdrawal from the bank to get more credit.
3. Input error information: This information includes credit card, payment password, verification code, etc. Once any one of them makes a mistake, the payment will fail.
4. Exceeding the payment limit: Many cardholders are in official website, and China Merchants Bank has set a payment limit for their credit cards. If the transaction fails due to exceeding the payment limit, you can modify the payment limit again when logging in to official website.
The introduction of abnormal payment of China Merchants Bank's credit card ends here.