Many friends may think that in the past three consecutive declines, strict risk control is like a madness. After waiting for a while, it will end and calm will be restored. The expected calm has not yet arrived. You can find that from the beginning, you need to provide early designated transaction invoices in January and February. Up to now, some card users have been asked to provide designated transaction invoices in March, and then there may be transaction invoices in April and May. This also means that the risk control of Ping An will be a long war.
we must deeply discuss the reasons for Ping An's strict risk control, or how we should solve the problem from the root. Let me show you a set of data: As of March 1th today, Ping An Bank's annual performance press conference: By the end of 221, the circulation of Ping An credit cards exceeded 7 million, an increase of 9.2% over the end of last year. The total amount of credit card transactions in the whole year was 3,791.41 billion yuan, an increase of 9.8% over the previous year. The total transaction volume in the fourth quarter has exceeded one trillion yuan.
It is worth noting that Mr. Xie Yonglin, Chairman of Ping An Bank, said at the press conference: We have greatly tightened the credit card access threshold and quota management. After our understanding, we can learn from the words of Mr. Xie Yonglin, the chairman of the board, that the initial opening period of Ping An Bank to recruit new people should be over, and now it is time to screen out its own high-quality customer base. This also means that it may be difficult to meet the requirements of applying for a card in the future. If your card is used improperly and does not meet the requirements of Ping An Bank, your card may be restricted, reduced or even frozen. If you don't encounter any of these problems, then your card is really well used and kept by Ping An Bank as a quality customer. I believe, whether in terms of quota or equity, Ping An will also let you enjoy a qualitative leap!
from the beginning, they were asked to provide invoices for specific transactions, which were all false merchant names or obviously large TX. Later, some real merchant names or small transactions were also required to provide invoices. In other words, the risk control of Ping An Bank is not a single transaction, and it is not very big to see whether the merchants are false. But to check the overall usage of the card, the overall usage of the card data conforms to the daily actual consumption logic.