I always get text messages reminding me of the risks.

Yes, this reminder is generally related to card habits, consumers and machines. The habit of using a card is whether to swipe an integer at ordinary times, whether the swiping time is in line with normal business hours, and the number of swiping times. Consumer merchants are some people who covet low rates and use the merchant's receipt code to brush, so that long-term consumers are single. Card reader code hopping and fake businesses will have an impact.

The most common phenomenon of credit card being controlled by the wind is that the cardholder illegally cashes in or maliciously overdraws. Once some banks suspect that your credit card is cashing out, they will directly seal the card and reduce the amount without any warning. If the credit card is controlled by the wind, you must prove to the bank that you are using the card normally and you can submit relevant evidence. If it is really illegal, there is no way to solve the problem of being controlled by the wind. You can only keep a good credit card habit in the back and gradually gain the trust of the bank. If you want to protect your credit card from risk control, try not to operate illegally.

After receiving the risk control SMS, what the card friend has to do is to check and correct himself, see if there is any problem with his machine, and correct whether his card swiping method is improper. At the same time, it is suggested that card friends use cards, online credit cards and offline POS cards in real consumption. Diversified credit card swiping methods are more popular with banks and less likely to be affected by wind and grass.

Credit card advice:

1, normal card use

Pay attention to observe and analyze your bills every month, and keep at least 30%-50% of the quota every month, and do not exceed 30% for a single transaction. Don't empty all your cards. It is suggested to leave a limit of 10%-20% for billing, so that the number of calls inviting installment will also be reduced.

2. Statements should be divided into stages appropriately.

Some people never do installment, and it is difficult for banks to earn your installment fee. It's always in installments, and the bank thinks that your repayment ability is insufficient. So I can only balance myself and measure it well. The bill of 65,438+0,000 yuan can be divided into half or one third, and the third and sixth installments are reasonable.

3. Merchants who can cooperate with banks either go shopping in shopping malls or brush a few strokes in large supermarkets.