Bank of Communications Pacific Credit Card is mainly suitable for daily personal consumption scenarios, including shopping in physical stores, online payments, etc. It is not recommended for large-amount cash withdrawals through ATMs or bank counters. Cardholders must abide by the regulations and ensure good card usage habits during use.

The bank will monitor credit card transactions. If abnormal behavior is found, such as frequent or large amounts of abnormal consumption, it may send a message to remind the cardholder. This may mean that the bank suspects cash-out behavior, which refers to obtaining a credit limit in cash through a credit card, which usually triggers the bank's risk control system.

The main use of credit cards is to make purchases by swiping the card, not to withdraw cash, because withdrawing cash may not only incur high handling fees, but also easily arouse the vigilance of banks. You need to be cautious when cashing out. Two consecutive large withdrawals close to the limit of 80 may trigger bank monitoring, and the third time you may face a warning or even a card restriction.

Banks are not ignorant. They have strict monitoring mechanisms for the use of credit cards to protect their own interests. Therefore, any form of illegal operation, such as repaying debts or using excessive credit limits by changing machines, may cause resentment and punishment by the bank. Therefore, cardholders should follow the bank's regulations to maintain normal use of their credit cards and a good credit record.