There are a lot of friends who have commented or blocked the message card. The result is a detailed chat, saying that the bank thinks it is cashing out, and then it can't be used. Many people said that it was normal to brush the card and how it was sealed. In view of the fact that there are too many victims (whether or not they are cashed out), the card sister will receive a response from the bank phone warning to prevent more people from being killed.
There are two types of wind control phones, the first one is the most serious one. When the bank gives you a warning call, whether or not it is cashed out, you are already in danger (the next step is to seal the card). What to do, of course, is to save yourself, the following card sister combined with their own experience, friend experience, together to solve this problem.
With the bank hard anus (not anal can not live), there are two prerequisites: (1) the normal channel and the data batch card; (2) I use, the previous card is in good condition, no long overdue. These three conditions, I believe everyone can be satisfied.
Enter the topic below. When you receive a bank warning call, turn on the phone recording, ask which bank, department, job number, name, and what the other party is; then repeat it yourself. The purpose of this is to make a call. People know that this person is not a cardholder who is generally ignorant, not fooled.
The next step is the dialogue. Generally speaking, the other party will say that the technical department of our bank finds that you are cashing in or high-risk customers. If you feel that you are embarrassed, then you will provide an invoice and finally tell you that it is illegal.
how to answer? You can say that your banking technical department has determined that I am cashing in or at high risk, which is not acceptable. According to national laws, the public security department's investigation or court approval is valid evidence. The evidence provided by your bank's technical department unilaterally is obviously untenable.
As for the invoice, you can say that I am using the card and I am not obligated to provide you with the relevant transaction certificate. The national law does not have this requirement. If the other party says it is a bank regulation, then you can say that the company’s regulations cannot be greater than the national law. Unless I am in coordination with the public security organs and the judicial department; here, I can tell the other party that you have recorded the phone. If the bank is in trouble, I can only expose it to the Internet and sue the bank.
The other party said that the cash is illegal. You can say that I have not cashed in, and I am swiping the card. The latest judicial interpretation stipulates that only the money owed does not constitute a malicious overdraft. At the same time, you can ask the other party, cash in the merchant to help the cardholders cash out, the merchant is also illegal, your bank can report directly.
According to the experience of the card sister and the experience of the friend, after the negotiation, the credit card can often be saved. (The best strategy is to give the card arrears in a few days, and carefully swipe the card. ).
Because of the cash warning call, Kajie can also ask a classmate in a joint-stock bank in the South during the Spring Festival. He said that the bank is also not good at handling.
On the one hand, the current means of card cashing are more and more concealed and embarrassing, and bank risk control technology needs to be upgraded, but this thing is costly. Now it is difficult for banks to make money. Leaders are not willing to increase human and material resources; on the other hand, even if they find The suspect card is not all killed. Because the whole kill, the transaction volume is gone, the income flows into other banks, and the risk control waits. For example, the cardholders are set at a high rate pos, such as 1.25% for food and beverages, 0.78% for department stores, and the bank can earn 7 components, which is not a small revenue.
He finally gave the card sister a blast. If the card was suspected of being cashed out, and the card was overdue, the card would die. However, if the card was found to be suspicious and the money was returned, the derating measures would be taken according to the situation.
In fact, the bank gives you a cash phone call, indicating that you have been targeted, you must close your hand, and at the same time return the full amount of the arrears (if the money is not enough, then a small loan transition). If you really believe that you have cashed in, you will be blocked directly and will not be as crap with you.
Card sister believes that the reason for receiving such a call is that there is a chance to make a comeback. It is necessary to overcome the fear and to tear it away with the bank. Card sister’s attitude is that credit card cashing is illegal and does not support. After all, a card can only take 2,000 yuan a day through ATM, and now it has become 10,000. Various cash installments and cash loans are everywhere. There is no need to take risks. Although the POS machine has low cost, the risk is high. After handling the severely warned calls, the other is the general wind control phone. For example, China Merchants Bank has asked the card sister last month: whether I have been spending in recent months, according to the UnionPay regulations, credit cards cannot be used for business. Turnover investment, can not be used for wholesale merchants, I hope to use cards and the like next month, just say that I consume, know the rules, everyone can communicate. Or the card of a colleague of a sister, usually a few hundred cards, there is a single brush 2w, just signed the word, the phone will come, for this, just explain the situation. More loan credit card wild road, pay attention to the card sister to share next time.
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