Recently, a large number of people have received the news of card closure and reduction, because of the implementation of the "one machine, one household" policy of POS machines, offline credit cards have been replaced by banks for cash, and the quota has been withdrawn.
Some people believe that it is because after the POS machine "one machine and one account", the merchants who come out are all the cardholders' own names, so the bank will reduce the rate. However, in reality, the bank rate reduction has little to do with the change of merchant. In the bank's risk control background, no matter how the merchant changes, it will always be the merchant - your name.
The real risk that leads to credit card downsizing is that banks look more at big data than just bank rates. If the card swiping behavior is inconsistent with big data, it will be recognized as cash-out, and the credit may be reduced regardless of the merchant's changes.
So, what is big data?To put it simply, it is the payment method you usually pay when you actually spend. Is it to use the configuration to brush the merchant's POS machine, or use the mobile phone to scan the code to pay or shop online?
After the POS machine "one machine and one household", how should we deal with it?According to the bank's requirements, adding online credit card swiping is a solution. No matter if you have been a merchant, as long as the card is in line with the behavioral big data, the bank is unlikely to give you a derating.
Many banks remind cardholders to increase online card swiping in credit card apps, such as China Merchants and Ping An, which must be swiped online to earn points. China Everbright Bank requires you to swipe your credit card to participate in designated activities in order to earn points. Most banks remind cardholders to bind WeChat, Alipay, UnionPay and bank app consumption in the app.
At this time, we need to defend our credit cards and refuse to be tricked by the banks. Don't be fooled by pos** for 7 years like some bankers, who have been swiping their cards according to their routines, but have never seen the bank's guidelines. Let's take care of credit card security together and not let ourselves pay a heavy price for the rigidity of the bank. If you don't know how to swipe your card online, please leave a message in the comment area and we will help you!
ps: Wake up, debtor, use the card according to the bank's requirements to keep the limit!Don't be fooled again!100 help plan