Guangfa SMS has exceeded the limit.

In 2020, the wave of credit card risk control is very urgent, especially in some places. Many cardholders have received risk control messages from Guangfa Bank Card.

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

There are various solutions to the quota problem on the Internet. Spending more and donating 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's strict risk control this time is obviously to crack down on POS machine's illegal TX behavior. If the POS card of other brands is replaced at this time, the problem will not be solved, but the card will be blocked and the amount will be reduced. We can analyze the short messages sent by Guangfa, and it can't be 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 consumption will be less and less, especially during this year's pneumonia epidemic, 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 a crime against the wind, and Guangfa Bank is not a vegetarian, so it is only a matter of time before we seal the card and reduce the amount.

Now many banks, such as Ping An and CITIC, are encouraging online consumption, and even introduced the policy of tripling online consumption points, with no upper limit on online points. Then the risk control operation of Guangfa Bank also adjusts the risk control strategy from time to time. As cardholders, we should also follow the bank's policy to adjust our credit card method. Therefore, the method to solve the limit of GDB card is very simple. Just change the online payment method. For friends who want to raise a card, online payment is the general trend, and the way to raise a card will also change greatly. The traditional POS payment has fallen behind and will 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.