What is a "little black room"? What behaviors will be dragged into the "little black room"?

Credit card white should not know what a "little black room" is, and senior card friends should know. What does the "little black room" that card friends often refer to?

little dark room

"Into the dark room" is the jargon of players, which means that credit cards cannot be withdrawn, and there is no temporary limit, and fixed limit cannot be withdrawn. Credit cards are kept in a "dark room", that is, credit cards are subject to bank risk control. Once a credit card is subject to bank risk control, it may not enjoy many card rights. The most direct manifestation is that it is impossible to withdraw the amount, including temporary and fixed, and it is impossible to apply for installment.

The "dark room" of credit cards is mostly due to overdue and breach of contract, or it may be caused by the risk operation of bank risk control on cardholders, such as common cash-out behavior.

What card use behaviors will be dragged into the "little black room" by banks?

1, overdue repayment

There is basically no problem with overdue repayment for one or two days, but if it is overdue for a long time, or it is overdue for many times and for a long time, it is easier to be dragged into the "little black room" by the bank, because overdue is the taboo of credit cards, and the number of overdue times, overdue amount and overdue time are all powerful basis for banks to judge cardholders. If you are often overdue, it will make the bank feel that your financial resources are weak and your credit is poor. In order to reduce the risk, the bank will not give it to you.

2. Improper use of cards

The most common way to use a bad card is to cash in by swiping it. Many cardholders don't want to cash out in order to turn over funds, but cashing out is illegal and will bring great risks to banks. If the cash is light, the card will be reduced, and if it is heavy, it may go to jail. The danger of cashing in credit cards (poke in to learn) is actually easy to be controlled by banks, and many cardholders who often cash out their cards have been reduced.

Of course, at this time, many card friends may say, "I didn't, but I still got 666." In fact, the bank also knows whether you have cashed out, mainly depending on your risk, and can take corresponding measures for you at any time, so friends who often cash out should keep a low profile.

3. The frequency of card use is too low.

If the frequency of using credit cards is too low and you hardly use them, then the bank will think that your demand for credit cards is not high, so you can't increase the quota.

4. Poor credit.

Everyone has a credit history, and everyone can check their own credit history. You can go to the Personal Credit Information Center of China People's Bank, and the bank will judge your financial ability and repayment ability according to your credit situation. If you have too many credit cards or have a bad record before, the bank will not give you a line of credit.

How to get out of the "little black room"?

1, timely repayment

If you want to get out of the "little black house", you'd better repay in full and on time to prove that you have spending power and strong economic ability.

2. More credit card consumption

More credit card spending will help to increase the quota, but don't brush it up. The best way to raise a card is to leave a little money.

3. Buy bank wealth management products

Buy wealth management products at the bank where the card to be withdrawn belongs. This method is suitable for card friends with financial ability, and let the bank know that you are really rich, and then the bank will consider withdrawing money from you.

4. Scaffolding

Some banks like to pay by installment. How to judge whether the bank to which their card belongs likes staging depends on whether the bank has many staging activities. If the bank has many staging activities, it means that the bank likes staging. For banks that like staging, multi-staging is also helpful to increase the quota, but it is not recommended to do too many staging. After all, it's not cost-effective to go on stage more.

5. Submit financial proof

You can go to the bank counter or the mobile APP of the bank credit card and submit your own valid financial proof such as deposit, house book and car book. This method is suitable for card friends with funds. However, card friends with funds should have no trouble in raising the amount.

6. Keep good card habits.

Keep a good habit of using the card and actively submit an application for withdrawal to the bank. If there is no response to the submission on the credit card app, call the bank customer service to request cash withdrawal. As long as you have enough conditions to let the bank know that you have the ability, it is not far away to withdraw cash.