Under what circumstances will banks control the risk of debit cards? What's the impact?

In the case of risky transactions, banks will control the risk of debit cards. The most common impact is that the credit card is inexplicably reduced by the bank or suddenly restricted from trading.

Credit cards of different banks have different performances under risk control. For example, China Merchants Bank, if the credit card has no temporary quota, it is likely to be controlled by the wind;

Bank of Communications: If your credit card has risky transactions, the probability of card reduction is 90%; Everbright: it will send an early warning message to the cardholder, indicating that your card has been controlled by the wind;

CCB: The application for temporary quota expires but is rejected, which is basically risk control. Let's think about whether this happened before we were demoted. In this case, you should be careful with your card.

Bank card risk control, basically as long as you use more and brush more, almost everyone has experienced it.

Debit card risk control, known cases are China Merchants Bank, Shanghai Pudong Development Bank and Xingye. Most of them are triggered by anti-XQ warning, which leads to restrictions on non-counter (non-counter transactions), and some of them will directly return cards. Once this kind of risk control is triggered, it will be very troublesome to unseal, and even the risk control of debit cards in many banks will lead to the closure of credit cards.

The most typical one is China Merchants Bank. China Merchants Bank's credit card risk control is extremely low. It basically doesn't matter how you brush it. It is nothing more than entering the so-called darkroom (no temporary quota, no staging); However, the risk control of debit cards is extremely strict, and it is easy to be blocked because of anti-XQ risk control, which in turn leads to the closure of credit cards.

Recently, cases of blocking cards by Agricultural Bank of China are common, with frozen funds ranging from tens of thousands to tens of millions. Some people have even been frozen seven times. Most of the frozen accounts are in developed foreign trade areas such as Guangzhou, Shenzhen, Yiwu and Quanzhou, and most of the frozen accounts are committed by people from different places.

Thawing time and conditions are different. Some people thaw after three days of freezing and then freeze for half a year. Some people were frozen last year and have not been unsealed yet. Some people are required to pay a freeze of 15% to unfreeze. Some people are required to "pay administrative fines" at the freezing place first. This punishment is as high as 30% in some places.