Guangfa Bank started a new round of risk control of derating.

This is already the third wave of risk control in Guangfa this year.

The first wave was at the end of the first quarter, the second wave was at the beginning of the third quarter, and this wave came again.

In several forums of credit cards, every round of decline tide comes, which will form the trend of brushing the screen.

As shown above, the daily limit of 5000 yuan is only the first step of risk control, and it will generally be reduced by half later.

Those who were demoted to 8 yuan in this way were directly sentenced to death. Before this, many methods were tested-such as applying for a new card and canceling the card. Although it can be temporarily restored, it was eventually relegated to 8 yuan again.

8 yuan Card has also become a beautiful landscape of Guangfa Credit Card!

8 yuan card, although there is a 8 yuan quota, is actually closed in disguise.

Another situation is to reduce the star rating-recently many four-star and five-star customers have been directly reduced to one star.

According to the information of Guangfa cardholders, the reasons for the downward adjustment of Guangfa quota can be summarized as follows:

1, the daily consumption curve is not smooth enough-sudden single large amount, continuous large amount of credit card. This situation is not only Guangfa, but also triggered the systematic risk control of many banks' abnormal transactions.

There are two kinds of abnormal transactions: one is that a single merchant spends money continuously in a short period of time, and the other is that his credit card is hacked (abnormal merchants whose banking system has been hacked).

2, multi-point card monthly brush full reward limit. Pay special attention to DIY and true white, and the annual fee-free card will be filled with the reward ceiling every month, which is easy to trigger the system risk control of maliciously taking credit card points from banks.

In some WeChat groups, Jun Xiao reminded everyone that Guangfa's points can be redeemed for mileage and credit card payment-never save a large sum and then complete the redemption at one time.

It's like spending 3500 yuan by credit card. As long as it is not a single merchant who continuously swipes the bill in a short period of time, it will not trigger the bank risk control.

It is generally difficult to trigger the bank's risk control when people disperse the redemption mileage and the amount of contracted accounts in their daily lives.

3. Refuse to answer the wind control call. There are two types of risk control telephones: one is that abnormal transactions trigger system risk control, which will automatically trigger telephone customer service to dial and verify, and should be answered in time and informed that it is a normal transaction; The other is the list of suspicious transaction users screened by manual post-loan management, and then handed over to the staging department to collect protection fees.

In the case of calling for protection fee, you can safely refuse if you spend money by credit card normally. If the card is not so compliant, it is better to pay a little protection fee appropriately.

In case of risk control, the suggested methods are as follows:

After the new system goes online, Guangfa will cut the customer quota marked tx by half! In the past two days, a new round of label tx customers has started, and the limit SMS has started again. The next step is that the system will automatically reduce the quota. This wave of reduction will continue indefinitely, and the risk control of Guangfa's new system is very strong.

Sudden large consumption, code skipping, monthly card explosion, failure to answer installment calls, bad attitude towards customer service, and malicious diy points in exchange for a large number of accounts will all be marked as risk customers tx customers by customer service, and cannot be phased, downgraded or temporarily cancelled. There is only one solution! !

After you receive a limited message, you have been confirmed to be marked. You should call the manual customer service immediately, and sincerely ask the customer service to help you check whether your card is marked. Customer service will tell you why. At this time, you should sincerely defend your recent consumption. For example, the merchant used an irregular pos machine without knowing it, and asked the customer service to cancel the marking. It's up to you to work hard next time. Customer service can help you cancel the labeling, and the star rating can be phased, temporary and fixed.

This method may not be successful, depending on whether your card is marked with external data or tx. The external data sign is invalid. After checking your loan, the bank sees that you are heavily in debt and wants to leave early. The tx mark is easy to come out. Use the touch method.