The Bank of Communications card has been warned. Will it affect my use of other credit cards? What should I do?

Will not affect the use of other cards. Bank risk control is hierarchical. This short message is that Bank of Communications has doubts about the user's card use behavior, hoping that the user can standardize the card use, but it has not reached the level of reducing the card.

1, diversify consumption, increase the diversity of credit card consumption, and don't always swipe your card at the same merchant, especially if the same merchant spends a lot of money many times, which is easy to be suspected by banks as cashing out;

2. Avoid swiping credit card consumption records many times during non-business hours;

3. Participate in the activities launched by Bank of Communications;

4. Most merchants who cooperate with Bank of Communications swipe their cards;

5. Try to keep the monthly credit card spending at about 50% of the total, not too much.

Extended data:

Credit records are like "credit collateral", and a good credit record is an important basis for individuals and financial institutions to carry out credit business; If there is a bad personal credit record, it will directly affect the handling of bank loans and other businesses. Personal credit records are widely used in credit card applications, loans and other financial fields and other fields involving individuals, which have an important impact on personal life and career.

If you use a credit card to overdraw and fail to repay the credit card debt within the specified date, you will have a bad credit record. In addition, it is necessary to prevent personal information from being stolen by others or lending credit cards (including quasi-credit cards) to others, so overdue for this reason will lead to bad credit records in personal credit reports. When bad records are generated, they will be kept in the credit report for 5 years.

Bank of Communications official website-Important Notes