We all know that improper use of credit cards, such as frequent credit card tx, late repayments or non-payment of outstanding amounts, can lead to the bank's risk control measures. These measures may start with a reduction in the credit card limit, or in severe cases, the credit card may be suspended. However, there are usually some signs at the beginning of credit card risk control. Below, Ah Ba will explain these signs to you.
There are a variety of precursors to a credit card being flinched, but here are a few common signs:
1.Card transactions are restricted: Cardholders were previously able to make normal purchases with their cards, but suddenly they were unable to make card transactions. Even if you change your POS machine and it still doesn't work, it could be a sign that your credit card is being restricted from transactions.
2.Receive a bank SMS warning: When the user swipes the card for consumption, if he receives a text message warning from the bank or **, the content involves the risk of credit card transactions, please standardize the use of the card, etc., which indicates that the user has entered the bank's risk control list. If you continue to touch the risk control point, it may cause the derating or card blocking.
Take Bank of Communications as an example, its risk control is the most stringent. Once the Bank of Communications credit card is subject to risk control, even if the user's consumption amount reaches the installment threshold, the user may not be able to apply for the installment or be rejected by the bank after the installment, which means that the credit card has been controlled by the bank.
How to cancel the credit card if it is subject to risk control?
First of all, a credit card is a tool used for card consumption, not for cardholders to cash out. If you often use a credit card to cash out, it is easy to be identified by the bank's risk control system, resulting in the credit card being restricted from transactions or reduced. Therefore, follow the rules of credit card usage and do not try to arbitrage behavior.
Secondly, although the minimum repayment of credit cards can avoid the occurrence of overdue records, this repayment method is easy to arouse the suspicion of the bank, making the bank think that the user has a certain risk. Therefore, it is advisable to repay the loan on time and in full to demonstrate a good credit history and repayment ability.
Finally, remember to make diversified card consumption, including clothing, food, housing and transportation and other areas of life, and make card consumption both online and offline. This can increase the diversity and authenticity of credit card use, and reduce the possibility of being concerned by the bank's risk control system.