China Merchants Bank's easy-to-consume status was suspended because it did not meet the conditions for using Xunhuai to make potatoes. After the user meets the conditions, the system will restore its status. However, if the credit card (debit card) in loans overdue is suspended due to overdue, you must settle the overdue debt first, and then wait until the next day to see if the system will resume the suspended state. If not, you can take the initiative to contact manual customer service.
Therefore, the state of easy consumption of China Merchants Bank is that Mu Xin will not suspend for no reason, usually due to some reasons.
What is the reason why China Merchants Bank's revolving loan was stopped? So that's it!
Zhouyi Loan is an operating loan provided by China Merchants Bank for small and micro enterprises in Zhongbitang. The amount is relatively high, so it cannot be used directly, mainly through directional transfer, POS credit card or online payment. A friend said that he didn't know why the revolving loan of China Merchants Bank was suspended. What is the reason?
1, autonomous pause
If you don't want to use the liquidity function for the time being, you can apply for suspension, which can be operated through channels such as China Merchants Bank Mobile Banking and Online Banking Professional Edition/Popular Edition. The suspension takes effect immediately, and the borrower regrets that he can't use the working capital line.
Warm reminder: If you need to close Zhouyi College permanently, you need to contact the loan handling bank or the post-loan service center.
Pause method:
Popular version: click "loan management → turnover → agreement inquiry → agreement termination" and follow the prompts.
Professional Edition: Log in to China Merchants Bank Professional Edition and click "One Card → Loan Management → Turnaround → Agreement Inquiry → Agreement Termination";
Mobile banking: log in to mobile banking and click "Home → All → Loan → My Loan → Turnover → Agreement Inquiry → Agreement Termination".
2. Other reasons
1) overdue repayment. Bank loans should not be overdue, and they should be repaid on time, especially for such mortgage products. Once overdue, this payment may be frozen and suspended.
2) Market policy. As the Zhouyi transfer is handled by the branch, it may have a short-term impact due to insufficient bank quota and policy adjustment. In this case, you can contact the credit manager directly for inquiry.
3) Credit investigation and real estate change. Because banks will check the credit information of borrowers under their names from time to time, if the value of collateral shrinks and other loans are added at the same time, there will be certain risks and banks may temporarily stop.
To sum up, there are many reasons why the transfer of Zhouyi was stopped. It is suggested that you can directly contact the customer service of China Merchants Bank for inquiry, and then adopt corresponding policies. Judging from the current situation, Zhouyi transfer is mostly closed due to customer risks, so it is necessary to terminate the contract as soon as possible and pay off the loan.
The investment promotion display is not at the counter, but the counter told me that it was frozen in other provinces.
China Merchants Card was frozen mainly because the non-counter business was suspended.
For example, if there is abnormal behavior in user account transactions, the bank will suspend off-counter business, and users need to bring their valid ID cards, bank cards and related materials to the outlets of China Merchants Bank.
2 If the loan agreement status of the user under the name of China Merchants Bank shows suspended, frozen or closed, the bank card will also be unusable, and the user needs to contact the customer service of the bank for handling.
3 The credit card is frozen. One-click card locking, overdue card stopping, password locking and pre-authorization freezing will all lead to credit card freezing.
① One-button card locking needs to be handled through the credit card exclusive APP "Pocket Life".
② Users with locked passwords can handle it through mobile banking.
(3) Users who stop their cards overdue need to contact bank customer service to pay off their debts as soon as possible.
④ Pre-authorization freezing requires the user to contact the merchant for handling.
Generally speaking, when a user's bank card of China Merchants Bank is frozen, it is suggested that the user first call the customer service phone of the bank to ask in detail what caused the freezing, and then solve the problem by many years. The information reserved in the bank is incomplete. Anyone can apply for a bank card before, and the bank didn't care too much. Now the times are different, the policy is in the supervision and spot check, and the banks are responsible for it. Your OTC trading is temporarily restricted, which is very easy to handle. People who pour credit cards with pos machines can lift the restrictions. Every repayment day, frequent card swiping in and out is very easy to cause risk control. Plus, all your receipts come from the accounts of two payment companies, which makes it easier for banks to be alert. If this savings card has no other types of transactions, it is easy to be caught by bank big data. A card without any transaction within six months is regarded as a sleep account. Some users have opened their own accounts for many years and rarely use them. After all, it is so convenient to use WeChat and Alipay, and bank cards are rarely used. It should be reminded that even if there is a deposit in the card, once it has not been traded for more than six months, it will be restricted from over-the-counter trading and can only be used after the ban is lifted. Warm reminder, your bank card must be kept well. Don't lend it to others, such as avoiding participating in online banking transactions and telecom finance. Otherwise, financial institutions and public security organs will freeze relevant bank accounts.
The e-loan of China Merchants Bank has been repaid, indicating that it is temporarily unable to apply. What happened? There are these reasons.
E-loan invitation is a special cash installment business provided by China Merchants Bank for quality cardholders. The amount can be recycled, and it can be borrowed after it is paid back. However, there are also many card friends who can't borrow after paying off, indicating that they can't apply for it for the time being. What's going on here? Let's analyze it below.
China Merchants Bank's e-move and loan repayment show that it is temporarily unable to apply. What happened?
In a word, the comprehensive score is insufficient. After all, every application for e-loan will re-examine the credit conditions of cardholders. If the applicant applies again and does not meet the loan conditions of e-loan, it is definitely not allowed to apply. Among them, it is divided into several factors:
1, condition mismatch
For example, the cardholder's credit card status is abnormal, frozen or frozen, so it cannot be processed. E. The condition for applying for a loan is to obtain a credit card identity. If this condition cannot be met, the system will prompt that it cannot be processed temporarily.
2. Inconsistent credit information
Electronic loan applications must have good credit. If the cardholder has overdue debts when applying for e-loan, or has been overdue in the past three months, or even three times, and fails to repay in time after borrowing e-loan, he will be prompted that he is sorry that he can't handle it temporarily.
3, the debt is too high
To apply for e-loan, you must have certain repayment ability. If the cardholder has a high debt when applying for e-loan, it will affect the bank's judgment on its repayment ability. In order to prevent loan risks, the system will no longer be applicable.
In short, if E wants to apply for a loan again, she must not only meet the application conditions, but also maintain good personal credit, low debt and repayment ability before she can apply.
What should I do if the credit card (debit card) of China Merchants Bank is suspended?
If the card is suspended due to overdue or risky transactions, you can apply to the bank to restore the credit card (debit card) finger. However, it is difficult to recover it because it is suspended because of cash withdrawal. Banks have zero tolerance for credit card (debit card) withdrawals. Once there is tangible evidence that the user's operation is to withdraw cash, the card is usually unable to be recovered.
Therefore, once the user wants to use the credit card (debit card) according to the regulations, illegal use may cause the card to be unrecoverable.
The introduction of the suspension of China Merchants Bank's loan status ends here.