According to the feedback from card friends, this reduction began on March 18, some card friends reduced their reduction by half, some card friends directly decreased from 15000 to 15000, and some card friends were directly banned.
Until today, the risk control continues.
Why is the card downgraded? This is the issue that everyone is most concerned about.
Looking at most people who are controlled by the wind, almost all have the following "common diseases", which are the main reasons for this demotion:
1. Credit cards and small loans are overdue: small loans are overdue, which is the most "fatal" reason. After accessing the credit information, the management of Everbright found that most of the cardholders of loans overdue were directly downgraded, but a few of them were not "hit".
2. Long-term minimum repayment, empty card, repayment: Through observation, it is found that such card friends are also the "main crowd" of this Everbright downgrade. In fact, staging is indeed conducive to the increase of the quota, but in the long run, it will be considered by banks as "the performance of lack of money". Although this is almost a well-known truth, it is clear that Everbright's move this time is intended to be "stable, accurate and ruthless".
3. High debt: Friends who are still "recruited" can review whether their debt is too high, which is also the result of "machine selection".
In fact, the sudden risk control of China Everbright Bank system is not without warning.
According to public information, in 20021year, China Everbright Bank enabled risk management with financial technology, introduced artificial intelligence and big data technology, and strengthened its risk monitoring, early warning and response capabilities. Through machine learning and deep data mining, we will optimize the functions of approval, monitoring, early warning and collection, covering the whole process of loan approval before, during and after lending.
In addition, the intelligent risk control system of China Everbright Bank also accesses all kinds of data outside the bank, such as government, scenes, and third-party credit information, and realizes financialization and Internet data access of various consumption scenes such as e-commerce, social interaction, travel, education, and medical care.
Through artificial intelligence and big data innovation, China Everbright Bank has made targeted applications in many risk control links such as fraud detection, risk assessment, user portrait and early warning collection.
As early as 20 19, China everbright bank put forward "4567" to build a big data system in an all-round way with the goal of "building data capacity, digging deep into data value and empowering business transformation", and comprehensively improved the application ability of big data management from four dimensions: data governance, platform support, scenario application and agile delivery, and realized the transformation from "BI data visual presentation" to "AI modeling analysis".
By the end of 2020, the intelligent risk control engine independently built by China Everbright Bank has been connected with internal and external systems such as online loan, personal loan, credit card, Pratt & Whitney intelligent operation and financial open platform, and Tuanjinxiao, covering multiple business scenarios at B-end and C-end, providing intelligent and automated life-cycle risk control model management capabilities.
Although card reduction has attracted many people's attention, it is found that many cardholders have successfully raised the amount rather than reduced it.
On the basis of the "rigidity" problem, it is a long-term judgment of the bank to comprehensively score the cardholder's qualification, consumption, card use status and credit inquiry. Therefore, once the amount is reduced, it is not the same as "sentenced to death."
The arrival of the era of intelligent risk control will soon replace the traditional risk control mode.
In the future, under the ever-increasing regulatory policy and the increasing number of financial technology talents, the high-quality cardholders who judge the system intelligently will become more and more "relaxed" and the low-score cardholders who judge the system will become more and more "tightened".
Illegal use of credit cards may affect personal credit records, which may lead to legal responsibility for illegal crimes and criminal responsibility for malicious overdraft. Rational consumption, moderate overdraft!
Did you get caught? It is also a science to make good use of credit cards and increase the quota. Why not be reduced by the bank? How to make good use of the overdraft limit of credit card?
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