Why are credit cards controlled by the wind? What are the bank risk control rules?

; Do you know what credit card risk control is? Have you ever received a text message that your credit card was controlled by the wind? At present, bad credit cards continue to deteriorate, credit cards are repeatedly banned, credit cards are overdue, the quality of credit card loan assets deteriorates, and bank risk control will be tightened. But why are credit cards controlled by the wind? What are the rules of bank risk control?

Heavy introduction must be seen! 20 15 reasonable and legal credit card cashing method

Credit card holders who are under the control of the wind may receive such a short message: Dear customers, your credit card of China Merchants Bank has risky transactions, so I would like to remind you to standardize the use of the card. Banks will take measures such as reducing the credit card quota in accordance with regulatory requirements to ensure the security of credit cards. But it has been spending normally, how can it be targeted by bank risk control? Many card friends have received similar reply messages, so what will be the risk control of banks? What card-using behaviors will be considered as cashing out?

Hidden risk control rules of bank credit cards

1, abnormal credit card consumption: that is, your credit card consumption habits are lifestyle credit cards, such as supermarkets, transportation, specialty stores, rent, etc! This kind of consumption accounts for more than 90% of your consumption quota, but suddenly the proportion of this kind of consumption drops sharply, and it is replaced by various online payments (Alipay, Tenpay), which leads to abnormal consumption of credit cards! In this way, the bank will think that your credit card is risky and will control the risk.

2. The integer amount of a single credit card is large: the amount of a single credit card is above 90%, and there is often a large integer amount, such as 40,000 or 50,000. This is an obvious abnormal consumption, which will be considered as a credit card cashing behavior, so risk control is carried out.

3. Credit card overdue repayment: In fact, it doesn't matter if the credit card is overdue, as long as you pay the interest, it's no big deal. However, if the credit card overdraft is overdue, or the minimum repayment amount has not been reached after repeated collection, it is the highest risk behavior and the risk will be controlled.

3. Overdraft after repayment: If you use up the credit card limit after two or three days of credit card repayment, the bank will think that you want to use the interest-free period of the credit card for cash investment, and this behavior will also be targeted by the bank.

4. The time interval of swiping the card is unusually short: if you swipe your card during non-business hours, and there are more than three transactions within 60 minutes, it will also attract the attention of the bank, which will be considered as abnormal swiping.

5. Fixed-point transaction: This refers to the transaction of fixed time, machine, card and quota for credit card consumption, which will obviously be considered as cash withdrawal.

6. Cancel the transaction: operate a card on the same pos machine within one day.

To sum up, in fact, the reason why the bank will control the risk of your credit card is that your credit card has obvious cashing behavior or you are seriously overdrawn. Simply cashing out your credit card is generally not subject to the risk control of the bank, but only pays attention to your credit card consumption. The most important risk control of banks for credit card consumption is online payment. Banks have their own methods to distinguish whether customers pay cash online! Don't think you can't tell by cashing in the bank with a credit card ~

The above behavior is easily considered by banks as cash, so it is controlled by the wind. Therefore, when card friends swipe their cards, they should try to avoid similar behaviors and prevent lying guns. Sometimes you may receive such a short message from the bank, even if you haven't cashed in your credit card. Be careful to be controlled by the wind, and then there is the danger of credit card downgrade and card closure ~