What does credit card risk control mean?
Credit card risk control actually means that banks analyze and control the use risk of credit cards held by users, and will judge whether their credit cards are within the risk range according to various consumption behaviors. Generally speaking, banks will judge according to credit risk, fraud risk, special merchant risk and interest rate exchange rate risk. If the credit card has similar behavior, it will be directly frozen or blocked by the bank.
Why are credit cards controlled by the wind?
1. Failure to repay on time
Using a credit card, the most important thing is repayment. Don't blindly consume, but consume according to your actual economic ability. Once you exceed your capacity, you are overdue. Occasional accidents may be fine, but if the repayment is overdue for a long time or the arrears are not paid at all, it will definitely be controlled by the wind. Although the credit card is an overdraft consumption card, it also requires the cardholder to have a certain repayment ability, so everyone must repay on time.
2. Card swiping method
Normal credit card shopping consumption is certainly no problem, but some smart friends often foolishly swipe their cards on the same pos machine, which will make banks suspect that cardholders will be suspected of cashing out. It must be abnormal to return it in full and then empty it all at once. Together with some friends, they will also find some credit card agents to help them raise their cards, and the agents will use overseas pos machines to swipe their cards. After a long time, the bank will definitely monitor these abnormal card swiping behaviors. The bank is a very cautious guy. Once it senses that you are in danger, it will definitely control your risk.
3. Incorrect quota
This amount is wrong, mainly for those small partners who cash out. Who hasn't cashed in? Because banks are profitable and can cash out freely, but some small partners are too unscrupulous and too obvious. The amount of each swipe is an integer value similar to 1000 or 10000. Isn't it obvious to withdraw cash? How can anyone spend this time like this? Some friends may swipe their cards hundreds of times a day. All of a sudden, they spend tens of thousands of credit cards a day, and often have such a large span of credit card records that it is unreasonable for you to be accused by Wufeng.
All of the above are what credit card risk control means, and why credit cards need risk control. I hope I can help you.