In-depth analysis of the excessive consumption problem of specific merchants of GDB cards, with solutions attached!

In 2020, the tide of credit card risk control is very urgent, especially in a number of places. Many card friends have received risk control messages from Guangfa Bank Card.

Dear customers, the consumption of your GDB card in a specific merchant exceeds the limit of the amount used, which leads to the transaction failure. We suggest that you use other payment methods, and thank you for your support.

There are various online solutions to the quota problem. Spending more and donating more points in the wonderful APP can't solve any problems, and it is even said that the star rating of the card can be improved in Guangfa's scoring system. Don't believe such cheating.

Guangfa strictly controls the risks this time, apparently to crack down on POS machine violation of TX. If the POS card of other brands is replaced at this time, the problem is not solved, but the card is blocked and the amount is reduced. We can analyze the short messages sent by Guangfa, and it is impossible to brush them out just because the consumption of a specific merchant exceeds the limit. The limit of a specific merchant and the actual limit are two different things. This restriction is that offline POS consumption channels are limited, but online consumption channels can be used normally. With the increasing popularity of online payment, offline credit card spending will be less and less, especially during the pneumonia epidemic this year, offline merchant transactions are almost at a standstill, so at this time we can use offline traditional POS to brush different merchants, which can be described as committing crimes against the wind, and Guangfa Bank is not a vegetarian. It is only a matter of time before your card is sealed and the quota is reduced.

Now many banks, such as Ping An and CITIC, are encouraging online consumption, and even have introduced the policy of tripling online consumption points, and there is no upper limit for online points. Then the risk control operation of Guangfa Bank is also to adjust the risk control strategy from time to time. As cardholders, we should also adjust our credit card method according to the bank's policy. Therefore, the method to solve the limit of GDB card is very simple. Just change the online payment method. Friends who want to raise a card, online payment is the general trend, and the way to raise a card will also change dramatically. The traditional POS payment has fallen behind and will soon be eliminated. It is suggested to change the online payment method as soon as possible, optimize your bank card bill, and make banks like you more.

Ok, that's all for today. Welcome to discuss and communicate.