The high consumption of credit cards is easily controlled by banks. What should you do?

What if I need money urgently?

Large consumption is controlled by the wind?

What is the safest way to brush?

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There are two reasons why credit cards have been reduced:

1, not used all the year round, or too much small consumption.

2. Unreasonable card swiping behavior is controlled by the wind.

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1

Several credit card behaviors of bank risk control

1, swipe time

Generally speaking, the business hours of shops are from 8: 00 a.m. to 8: 00 p.m. 10. If it exceeds this time, it will be considered as illegal card swiping by banks. Of course, there will be differences in different industries. For example, whether you brush a large sum in a breakfast shop or brush a large sum during meals will also be subject to risk control. Yang Guofu has more than 20,000 credit cards. Do you want to change with someone else's shop?

2. The single amount is not standardized

The consumption of (1)120,000 is too suspicious. Integer consumption is too much, and it will definitely be controlled by the wind.

(2) A large amount is followed by a decimal point, for example, 10300 cents. Since I have brushed such a large amount, do I still need this 30 cents?

(3) The amount is repeated, and each transaction is 9288 yuan, which is not far from risk control if it is formal.

3, a shop, spend every month.

The same shop, the same time, the same card, a fool will see it!

4. swipe the same card more than 3 times a day.

Too many swipes are easy to arouse suspicion. Try not to swipe the same card more than three times.

5. The whole card has been emptied.

Socialist wool can't become Ge You, and each card will eventually leave thousands of dollars, or hundreds of dollars, preferably more than 10% of your card limit.

6. Deal only one day after the repayment date!

This is absolutely impossible, especially when you go in on the repayment date and brush it out at one time. Needless to say, you can't cash it or you are in the bank.

7, within an hour, in the north and south cities of China!

Lend you a wing, fly, and see how far you can fly in an hour, let alone what it is. It can't appear in two cities in such a short time.

8. Online consumption is greater than physical consumption.

Everything you buy is online, and you don't brush offline. What does the bank earn? Of course, the bank won't give it to you unless it makes money.

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2

If you are short of money, you can withdraw cash by credit card.

If you are really short of money, you can withdraw cash by credit card:

"Credit card cash withdrawal is one of the inherent functions of the credit card itself. It is a legal act of taking the current act and a pre-borrowing act." A bank staff member said that the maximum withdrawal amount of a credit card is 50% of the credit limit in the card, and the maximum daily withdrawal amount is 2,000 yuan, which is very suitable for users with small cash needs. Withdrawing cash by credit card will not only ruin personal credit, but also add luster if it is repaid in full and on time.

Credit card withdrawal will charge a certain fee-fee and interest. The handling fee varies from bank to bank, mostly between 1%-3%, and the interest is the same. From the date of withdrawal, interest shall be charged according to the actual days of use of the funds, and the daily interest shall be five ten thousandths of the withdrawal amount.

"Even in an emergency, individuals have many channels to obtain funds. If there is no mortgage loan, you can not only save interest, but also get funds within a day or two when you meet an efficient institution. Many banks like personal housing loans and personal consumption loans are doing it, and individuals can easily get the funds they need. " There is also a provident fund loan for Ka Niu.

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three

Three skills of not being demoted

1, the first skill-timely repayment

This skill can be said to be not a skill, but everyone should take advantage of the bank until the final repayment period. In fact, everyone can return the card early, and the card can't be vacant for too long. This is cruel to the bank, and the bank will be cruel to you.

2, the second skill-a few more cards for a sum of money.

More and more credit cards are welcomed by banks. If you spend a lot of money, such as more than 20,000 yuan, and only swipe one card, you will definitely be downgraded and suspected of fraud. If it is a luxury bag, brush several cards separately, and each card is "stained with rain and dew", so there will be no suspicion of malice.

3. The third skill-cultivating customer loyalty.

Catch up with bank activities and swipe your card. Regardless of points or participation, banks will think that you are a "cash cow" with vitality, potential and cultivation. So you will only swipe your card at specific activities in each period and become a loyal customer. Plus the activity record, you will never be reduced!

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