Wow!Recently, many partners' credit cards have been "slightly reduced" or simply "blocked".
Because, the current POS machine has become "one machine and one account", and the bank will say that you are cashing out when they see you swiping your card offline, and then cut your quota fiercely.
Actually, sayThe limit is not so related to the merchant you swipedClick.
These changes in merchants are just a point that some practitioners use to fool everyone. No matter how the merchant plays, the bank backend is always the merchant's name - your name, just like "Merchant-Qilin".
In fact, what is the real reason for the credit card limit drop?
In addition to looking at debt ratios, banks care more about big data. If your card swiping behavior does not meet the characteristics of big data, it will be regarded as cashing out, and no matter how the merchant changes, the bank will have to cut the limit.
If your card usage is consistent with big data, even if you have been using the card at one merchant, the bank will not reduce the rate.
So, what is big data?It's actually super simple.
How do you spend your money in general?Is it to swipe the POS machine, or to scan the code or shop online?
This is clear, right?
What should I do after the POS machine is "one machine and one household"?
The bank made it very clear: more online. Even if it is the same merchant, as long as it is an online purchase, the bank will not mind, because this is the way the bank wants to consume. You can check out the credit card apps of major banks.
For example, China Merchants Bank and Ping An can only earn points by swiping their cards onlineEverbright has to participate in the event to earn points;There are reminders in other bank apps, binding WeChat, Alipay, and UnionPay, and swiping online.
As early as 2019, these banks began to cast a wide net to remind everyone.
Don't know how to swipe your card online?You can leave a message below to ask!
The debtor who has been fooled by the pos** business for 7 years is really miserable!
Some people have been deceived into swiping their cards according to the routine of POS** merchants, but they don't care about the bank's guidelines.
It's so pitiful!
ps: Wake up, debtor!Use the card according to the bank's requirements and keep the limit is the right thing!Don't be fooled anymore!