1: in order to ensure the safety of funds and the interests of cardholders, banks will control the risks of credit cards. Using online banking to monitor transactions and identify credit card risks generally means that banks use computers to monitor and operate credit card holders' education, age, liabilities, work and other related information, check the time, amount, place, number of transactions and other specific behaviors of credit card holders, and then refer to the weight by using relevant risk formulas. If the cardholder's weight is abnormal, the credit card will be found to avoid fraudulent use of the credit card.
2: Comparative investigation of risk data. As a financial institution, the bank has no right to excessively interfere with the consumption behavior of merchants and individuals. Therefore, in many cases, banks will conduct comparative investigation on which credit card transaction is risky. For example, refer to previous credit card risk cases, or compare a series of data to see whether the enterprise itself is normal and whether the cardholder's credit card is abnormal.
for example, your credit card is usually spent in China, and then one day, your credit card is spent in China in the morning and evening, and at noon, suddenly a large bill is completed abroad, and in the high-risk area of credit card transactions, banks will basically think that this credit card is risky.
In this case, the staff of the general bank will call to confirm or seal the credit card for you, so as to reduce the loss of the cardholder. If your credit card is risky, it may cause danger to your property. You can cancel the card and change it according to the advice of the bank staff. If you feel too much trouble, you can also change the consumption password of the credit card, and then limit the consumption amount to ensure the safety of personal property.