Bank of Communications Credit Card Seal Precursor? You can judge with only one action.

Although the bank of communications credit card has a low threshold and is easy to handle, the risk control is quite strict. It can be said that it is the first in major banks. If you are accidentally controlled by the wind, you may be banned and demoted. The bank of communications's card closure is a precursor, and you can judge whether your credit card is controlled by the wind with one move.

The credit card of Bank of Communications is risk-controlled. Generally, it can be judged by the number of stages. After overdraft by credit card, the cardholder reaches the installment amount. Click the bill installment on the bill payment APP to see if it can be phased, and then according to the number of installments, you can know the degree of risk control and whether it will get stuck.

Because Bank of Communications gives different customers different staging policies according to risk control categories:

1. The number of credit card installments is 18 /24. This kind of customer belongs to the bank's high-quality customers, the risk control is relatively small, and it will certainly not be easily blocked;

2. The maximum number of periods is 9/12, or the maximum number of periods is 6, which is normal. However, it is said that if a single repayment amount exceeds half of the quota, it will trigger the risk control system. Although it will not be stuck, the quota will definitely drop, and nine times out of ten it will become a 2000-yuan party.

3. The upper limit of the number of installments is 3, or the number of installments cannot be displayed, indicating that the Bank of Communications card has been risk-controlled by the bank and is in a semi-locked state, only one step away from sealing the card. Once the cardholder uses the card in violation of regulations, such as covering the whole amount at one time, he will immediately receive a risk control message from Bank of Communications.

In short, the warning signal of Bank of Communications' credit card closure is usually judged by the risk control status displayed by the number of installments, so once you find that your Bank of Communications card has reached the threshold of installment, but it can't be phased or the number of installments is at most three times, then you must make good use of the card, never cash out, diversify consumption, repay on time, and release the risk control status as soon as possible.