If you receive these four tips, your credit card should pay attention to them.

In recent years, the People's Bank of China has been strengthening its control over the financial industry. As for credit cards, more and more banks have strengthened risk control, and adjusted the credit cards with hidden dangers and sealed them. Many friends have been accidentally caught.

Whether you adjust the amount or close the card, if you have such a situation, it basically means that the bank will not play with you. In fact, in some cases, the bank will remind you and warn you that your demand has not changed at this time, so it is very close to the downgrade card.

The general bank will give you tips, including the following four:

First, I received a short message from the bank

In many cases, after we use a credit card, the bank will always let us push a message on our mobile phone, but most people usually ignore this message.

But sometimes, the information pushed by banks is actually reminding everyone to pay attention to hidden dangers. If you receive this kind of information, it means that you have been targeted by the bank's risk control. If you don't pay attention to many aspects, then you are really close to the downgrade card.

Second, the bank's telephone tips

Many people have had this experience. Shortly after the credit card transaction, they received a phone call from the bank. The purpose of calling is to check whether the business is operated by itself to determine whether there are hidden dangers. This is also a bad omen.

If there is a risky transaction or abnormality in your credit card, a bank customer service staff will usually call to confirm, and the customer service staff will prompt you that the credit card is abnormal and determine whether you swiped it yourself.

If you receive this call, it means that the bank's risk control system has detected abnormal behavior of your credit card. At this time, you should pay attention to whether your card habits are abnormal or whether there is information leakage.

Third, credit cards are restricted.

Nowadays, the loans overdue rate of credit cards continues to rise every year. In order to control risks, banks will restrict consumption for some customers with hidden dangers.

If one day you suddenly realize that your credit card can't be swiped, it probably means that your credit card is under the risk control of the bank. Generally, if this happens, it is very likely that you may have cash-out behavior and be detected by the system.

Fourth, the temporary quota was revoked.

The temporary credit card limit is generally to solve the urgent needs of daily consumption. However, the temporary limit of each credit card is relatively limited. After using it up, you must apply to the bank again to get the temporary quota again.

If one day you suddenly find that your temporary quota is useless, or you apply to the bank, but it is rejected. At this moment, you should also pay attention that you may have been "targeted" by the bank.

If you are targeted by the bank and there are signs of the above card, what should I do and how to prevent the card from being blocked?

Consumerization as a whole is a part.

Don't use a credit card only when you spend a lot of money. For example, if you swipe it once a month, it will be emptied this time, which is very easy to judge as a cash swipe. In order to support the credit line, we should use credit cards as much as possible for our daily consumption, large and small, and we can also withdraw money at planned intervals in advance when we need a lot of money.

02

Don't try to brush your teeth often.

Master the remaining credit card limit, and don't try to swipe your card too frequently, which is easily recognized by the banking system and considered illegal or risky.

03

Don't empty your credit card for a long time

Credit cards are often emptied at one time through one or more transactions, that is to say, bank cards are emptied at a fixed time every month instead of using credit cards, which is also a high-risk behavior that is easily controlled by the wind.

04

Try to use credit cards for normal consumption.

When credit cards are under risk control, there are usually too many abnormal transactions, but when they are targeted by banks, they need to adjust their strategies and use credit cards to pay for some normal consumption in life.

If you can receive this warning message, it also means that your credit is still ok in the bank, or you need treatment, instead of receiving the notice of card reduction directly, there is no room for retention at all. With the maturity of technology in the era of network and big data, credit assets will become an indispensable part of everyone's daily life, and people who don't pay attention to their credit assets will be unable to move in the near future!