Counting the banks with the strictest credit card risk control.

I have been teaching you how to increase the credit card limit and how to better handle credit card skills. I have never said which credit card methods are the easiest to reduce the limit. Let's summarize the credit card rankings that are the easiest to settle and reduce the amount.

At present, it is recognized that the bank with the strictest risk control is Bank of Communications. Users who have handled the credit card of Bank of Communications should be more aware that the feeling of being risk-controlled by the bank without paying attention is really helpless, and Bank of Communications will be more strict in credit card transactions with higher quotas. If you are a new user of the Bank of Communications credit card and spend a lot of money just after completing the credit card, then you are very likely to be risk-controlled by the bank.

First place: Bank of Communications

Bank of Communications has always been called the "iron cock" in the bank. It is difficult to raise the amount, and sometimes it will inexplicably prompt abnormal consumption. The risk control of Bank of Communications has always been the strictest among all banks. I will send you a downgrade message at any time, so don't brush low-rate pos machines and credit card software, or you will receive a downgrade message from Bank of Communications. A card friend said that after eating a meal, he swiped the card. Soon after swiping the card, Bank of Communications sent me a text message saying that the amount was reduced to 2,000, saying that my consumption was abnormal. Look at the voice of netizens.

Second place: Industrial and Commercial Bank of China

Industry and commerce are very similar to China Merchants Bank. How much money you raise depends entirely on your mood, but the risk control is much stricter than that of China Merchants Bank. ICBC's card had better not exceed the limit. It is very dangerous for ICBC's credit card to exceed the limit.

Third place: China CITIC Bank

Some people say that CITIC is a big risk controller after Bank of Communications and likes to lower the quota without saying hello. Many people say that the first stroke of CITIC is normal, and the second stroke begins to be risk-controlled. There are even more twists and turns: when someone's credit card is repaid at 1, he can swipe his card normally, and the second repayment is reduced by 25%, the third repayment is normal, and the fourth repayment is reduced by 20%. CITIC's routine is so deep that people dare not repay any more.

Fourth place: Ping An Bank

In other words, the original credit line of 26,000 yuan was reduced to 1.6 million yuan. It is considered that Ping An Bank did not give any effective notice after reducing the credit card limit, nor can it give her convincing reasons. It can only be said that the system has detected the risk of credit cards, which is too arbitrary.

Fifth place: Shanghai Pudong Development Bank

A card friend's way of reducing the amount is so funny that he sent a text message to remind him to reduce the amount on the day he just finished the bill installment. Maybe he cashed in a lot and then staged it. Under normal circumstances, the amount will not decrease.

From the cardholder's point of view, unless the economic strength is very strong, it is unlikely that ordinary users will often spend tens of thousands of dollars. Secondly, long-term credit card accounts with little monthly credit limit are also easy to be concerned by banks, and with the high-risk POS consumption record of this card, almost all such accounts are classified as high-risk accounts by banks. Dear friends, for your good credit record and smooth loan in the future, I hope you can use your card safely and stay away from cashing out.

Therefore, if you don't want to be caught in the wind when using credit cards, try not to use the same POS machine for large-scale consumption, so as not to be misunderstood by banks as "cashing out". I suggest that if you really need to spend a lot of money, it's best not to blow up your credit card at once, and it's best to control it at 70% of the credit card limit, and the consumption amount should not be an integer.

In addition, after a large amount of consumption, you can make several small purchases, especially for users who have just opened the card. It is better to go to a large supermarket to do a few small transactions first, which is also a proof that they use their cards normally.

Another way is to do staging. From the perspective of interests, banks encourage users to go on stage. Occasionally the bank will "trust" you more!