?"There are skills in applying for a card, and it is not difficult to maintain a card." Hello everyone, I am Xiao E, a person who is obsessed with sharing useful information. Many cardholders immediately receive a call from bank customer service after swiping their credit cards, asking whether they are paying for themselves. Is this controlled by risk?

Whether it is risk controlled depends on the following situations!

1. Consumption habits

? Usually the consumption is small and multiple, but suddenly a large amount is consumed. Excessive amounts may cause bank risk control, and the bank will then call the cardholder to confirm. You just need to say that it is you who consumes it, and it will usually be fine. If there is a problem with the trading merchant, it will be subject to risk control.

2. Invitation for installment or loan products

? Generally, there is no risk control when receiving invitations for installment or loan products. It is just a marketing tool. You can do it yourself when you need it. There is no need to go through them, don't be misled.

3. Abnormal transactions

? The trading hours are outside the merchant's business hours, or the merchant you are trading with has problems and has been blocked. This is most likely due to risk control. If the consumption is successful, it means that the risk control is not strong, so just pay attention in the near future. If the direct transaction fails, it means that the risk control is serious. It may be frozen directly for you.

? If it is stolen, please explain it clearly to the customer service. Usually, you will need to replace the card with a new one. If it is caused by swiping the card yourself, then do not use this tool. Secondly, provide consumption credentials to prove it. This is my actual consumption, and it can usually be resolved by communicating with customer service. You should also pay attention to the risk control after lifting it, and lift it as soon as possible if you use it well. It's best to deal with this situation immediately, as it will really cool down over time.

In Xiao e’s opinion, generally when you receive a call from bank customer service, there are several situations:

1. To sell you business: promote insurance, upgrade annual fee cards, apply for installments , make loans.

2. The high probability of being stolen or swiped will trigger bank risk control, and bank staff will proactively contact you.

3. Irregular credit card swiping triggers risk control.

As for high-quality customers, Xiao E won’t say much. Doesn’t he have any points for whether he is good or not? Be self-aware and don't be led astray by rhetoric. The loss is yours.

What should I do if I receive a call from bank customer service?

1. If the card is stolen, just cooperate with customer service to issue a new card.

2. If it is caused by yourself, keep the consumption certificate to prove that it is real consumption and not caused by yourself. Then ask the bank to handle it. The same applies to being derated, blocked, or frozen.

3. As for the sales promotion business, it’s up to you. If you need it, do it. If you don’t need it, don’t do it. To put it more tactfully, you can say that we won’t do it for the time being. If I need to see you, you can also ask for your job number.

? My summary: Don’t worry too much when you receive a call from the bank. Generally, if it’s not serious, there will be a text message to remind you during risk control. No matter when or under what circumstances, we must consume rationally and assess the situation. If you have any other questions, please leave me a message and we can discuss it together!