With the continuous improvement of living standards, people's consumption patterns and concepts have gradually changed, overdraft consumption has gradually become the mainstream consumption mode, and credit cards, a consumer overdraft product, have gradually entered thousands of households. However, in recent years, credit cards have been overwhelmed by the wind. Many friends have found a small agent to vomit. Obviously, they have been using credit cards for several years. Not only has the quota not increased, but it has recently been subject to bank risk control. So under what circumstances will credit cards be subject to bank risk control? What will happen after being controlled by the wind? Let's meet today!

Under what circumstances will credit cards be subject to bank risk control?

1. overdue repayment: after excessive consumption, the cardholder cannot repay the arrears on time due to various reasons, resulting in overdue credit cards, and the credit line will be temporarily frozen by the bank's risk control.

2. Illegal operation: the cardholder has illegal operation in the process of using the credit card. For example, if the card swiping time is not during business hours, he often swipes the whole amount of 1000 and 5000; Frequent card swiping on the same POS machine will be considered suspected of cashing out.

3. Credit card risk: If the bank detects that the cardholder suddenly spends a large amount in different places, it will also take risk control and become the focus of the bank.

Once the credit card is controlled by the wind, many businesses of the bank will shut the cardholder out before the cardholder fails to provide enough materials for self-incrimination, and the cardholder will be subject to various restrictions when handling banking financial business, such as the temporary credit line of the credit card will be cancelled directly, and the cash installment, cash withdrawal and even bill installment of the credit card will not be used normally. Of course, this prohibition itself is also testing the cardholder's repayment ability and preventing the cardholder's debt accumulation.

At the beginning of 2023, major banks also strengthened the risk control of credit cards, so many cardholders received short messages from banks. I hope everyone will abide by the rules and regulations of credit cards from now on and standardize the use of cards. Don't do anything that touches the bottom line of the bank.