1. Six common statuses of accounts:

1. Normal: This does not require too much explanation, it is a normal use status, and user behavior is within a reasonable range.

2. Stop payment: There are two situations for stop payment. One is when the user applies for it independently. For example, if the credit card is lost and the loss is reported, the stop payment status will be displayed; the other is when there is an abnormality in the account, such as If a user has only had a limit of a few hundred yuan for a long time, and suddenly makes multiple purchases of tens of thousands in a row, this may be judged as an abnormal transaction by the system, and an emergency stop payment will be taken to protect the safety of the user's funds. Of course, there may also be other serious overdue situations, such as Payment will be stopped.

3. Freeze: Also called card blocking. Although this kind of account is still there, there may still be a limit in the account, but you can no longer swipe the card and withdraw cash. In many cases, it is seriously overdue or violates the rules and is subject to risk control. And most are permanently frozen.

4. Bad debts: Bad debts are also divided into two types, namely bad debts in arrears and bad debts in overpayments. Generally, banks will classify debts that have not been dealt with for more than six months as bad debts. If bad debts are not dealt with in a timely manner, future credit services at the bank will be directly rejected.

5. Account cancellation: Account cancellation literally means canceling the account. A special reminder here is that if you have overdue records, canceling your account will not delete the records together.

6. Inactive: The credit card you applied for has not been opened, but the card issuer, card issuance time, and credit card limit will still be displayed.

2. Five-level classification of account numbers:

1. Normal: The cardholder has the ability to repay and has a good willingness to repay, or there are certain negative factors that do not affect the repayment. payment ability.

2. Attention: The cardholder has liabilities, personal fixed assets have decreased, or the assets in the bank have declined, and the economic strength has weakened.

3. Substandard: The cardholder has insufficient repayment ability, and the loan and credit card are overdue between 90 and 180 days.

4. Suspicious: The cardholder’s financial situation has deteriorated, he has no ability to repay, and he has a loan or credit card that is overdue for more than 180 days.

5. Loss: The cardholder is still unable to repay the loan after the bank's pursuit, and the bank is ready to write off the debt.

3. Understanding the symbols:

/——Indicates that no account has been opened;

*——Indicates that there is no repayment history this month, and the repayment cycle Data larger than a month are marked with this symbol, and the repayment frequency is irregular. Data that does not have any repayment in the month is marked with *; data that does not require repayment in the month when the account is opened is also marked with this symbol.

N——Normal (indicates that the borrower has repaid the monthly payment in full and on time);

1——Indicates that it is 1 to 30 days overdue;

2— — means 31 to 60 days overdue;

3 — means 61 to 90 days overdue;

4 — means 91 to 120 days overdue;

5 ——Indicates 121 to 150 days overdue;

6 —— Indicates 151 to 180 days overdue;

7 —— Indicates more than 180 days overdue;

D ——Repayment by the guarantor (indicates that the borrower’s loan has been repaid by the guarantor, including the guarantor’s on-time repayment and the guarantor’s repayment of part of the loan);

Z——Using capital to offset the debt ( Indicates that the borrower's loan has been repaid by using assets to offset debts (only the debt-to-equity portion is used);

C - Settlement (the borrower's loan has been fully repaid and the loan has been repaid). The balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of the guarantor, etc.);

G——End (any other form except settlement) Terminate account