Although the Bank of Communications credit card has a low threshold and is easy to purchase, the risk control is quite strict. It can be said to be the first in risk control among major banks. If you are accidentally caught by risk control, the card may be blocked and the credit limit will be reduced. However, there are warning signs for Bank of Communications to block cards. You can use one trick to determine whether your credit card has been risk controlled. Bank of Communications credit card risk control can generally be judged from the number of installments. After the cardholder uses the credit card to overdraft consumption and reaches the installment amount, click on the bill installment on the Ranpaibiba APP to see if it can be divided into installments, and then according to the installment amount The issue number can tell you the degree of risk control and whether it will be blocked.

Because the Bank of Communications gives different installment policies to different customers based on risk control categories: 1. The number of credit card installments is 18 or 24. These customers are high-quality customers of the bank and have relatively strong risk control. Small, the card will definitely not be blocked easily; 2. The maximum number of installments is 9/12, or the maximum number is 6, which is normal. However, it is said that if the single repayment amount exceeds half of the limit, it will be triggered. Although the risk control system will not block the card, the limit will definitely be reduced, and in all likelihood it will become a 2,000 yuan party. 3. The maximum number of installments is 3, or the installment cannot be displayed, which means that the Bank of Communications card has been controlled by the bank and is in a semi-locked state. It is only one step away from card closure. Once the cardholder uses the card illegally, For example, if you withdraw all your quota at once, you will immediately receive a risk control text message from Bank of Communications. In short, the warning signs of Bank of Communications credit card closure are usually determined based on the risk control status displayed in the installment number. Therefore, once you find that your Bank of Communications card reaches the installment threshold, but cannot be installmentd or the maximum number of installments is 3, then you must use the card well. , never cash out, diversify consumption, repay on time, and it is safe to lift the risk control status as soon as possible.