Does it matter to swipe your credit card in the middle of the night?
We all know that the normal business hours of merchants are generally from 8 am to 9 pm, so it is best to swipe your card with POS machine during this time, but it doesn't mean that you can't swipe your card in the middle of the night, mainly depending on the merchants who swipe your card.
For example, in KTV and bars, such places will open in the middle of the night, and swiping credit cards in the middle of the night will have no effect; And if the merchants you brush in the middle of the night are restaurants, clothing stores, jewelry stores, etc. Then it is easy to be controlled by banks. After all, according to normal thinking, these merchants close at 9: 00 pm, but if you swipe your card in the middle of the night, especially for large consumption, it is easy to be considered as cash.
Credit card cashing has a greater impact. After all, it is illegal. Once discovered by the bank, the credit card will be controlled by the bank, such as reducing the amount, sealing the card and freezing it, and the cardholder will be listed as a high-risk customer by the bank. If it is serious, it will be considered as malicious overdraft and will be arrested and punished, so try not to swipe your credit card in the middle of the night.
Does it matter if you swipe your credit card in the middle of the night? I hope it will help everyone. In addition, these behaviors should be avoided as much as possible when swiping a card, such as not swiping a card on the same POS machine, not swiping an integer amount, not swiping a card at a low rate, not always swiping a large amount, and so on. Otherwise, it is vulnerable to bank risk control.