At present, the "one machine, one household" policy has a significant impact on the way POS machines are used, which has caused widespread discussion and concern. The enforcement of this policy has led many people to pay attention to whether swiping a card at the same merchant for a long time will be considered abnormal behavior, or whether it will have an impact on credit limits.
However,What really gets the attention is the consistent use of the same swipe mode. The bank's risk control system has the ability to accurately monitor cardholders, and can accurately identify cardholders' identities and consumption behaviors regardless of changes in merchant information.
How to avoid being misjudged by the bank as a cash-out risk, card closure or derating?The answer lies in the diversity of consumption patterns!
Banks recommend using POS QR code payment methods to consume through a variety of payment methods. In this way, even if the card is frequently swiped at the same merchant, it can show diversity in consumption methods and reduce the possibility of being monitored by bank risk control.
With the rapid development of the economy and the rapid change of consumption patterns, cardholders need to flexibly adjust the way they use their cards to adapt to the ever-changing big data environment. Therefore, it is important to increase payment methods and reduce the number of credit card swipes that are not commonly used to protect credit lines and normal spending.
Let's adapt to this change together and protect our own financial interests.
Feel free to ask us questions in the comment section and we will do our best to help and advise you.