Anyone who exceeds the limit is considered a high-risk customer. According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", we learned that the number of credit inquiry inquiries for applicants should not be more than 4 times in the month of application, the debt should not be too high, and the credit card usage rate should not exceed 70. When the credit card usage rate exceeds 70, Already a high-risk customer.