Delaying repayment is one of the most intolerable behaviors of banks. Once the cardholder has a record of overdue repayment, the cardholder information of overdue repayment will immediately appear on the bank's risk control list. Moreover, it is also necessary to pay attention to swiping cards at ordinary times. Whether the credit card amount is always an integer value, or a merchant with a lower rate, or the same merchant frequently appears in the bill, it will touch the bank's detection system, so everyone must be careful.

In addition, the frequent use of the minimum repayment amount is undoubtedly because the cardholder's current financial ability is limited and it is impossible to repay it all. For banks, this is a high-risk overdue. Therefore, in order to ensure the safety of bank funds, cardholders will be closely monitored.

How to remove the bank risk control list

After determining the main reason for the credit card being controlled by the wind, we should try our best to avoid this situation from happening again. During this period, you can make large consumption by stages. At present, installment payment is an effective way for some banks to mitigate risk control. In addition, it can only be solved if people make good use of credit cards for consumption. Usually, the consumption record is good for about half a year, and the risk control system will automatically release it.

If it is controlled by the wind again, the bank will decide what measures to take according to the situation. Lightly reduce the amount, or directly seal the card. Especially in some commercial banks, the internal control is very strict, so you'd better not challenge it easily.