Which bank has the strictest credit card risk control?
Compared with Bank of Communications, the risk control management of Bank of China, Industrial and Commercial Bank of China and China Merchants Bank is more humane. Cardholders who want to do credit card financing can give priority to these companies, provided that they must repay on time. , be sure not to overdue it, and make financial and consumption plans, otherwise you will lose more than you gain by becoming a card slave.
Nowadays, there are many people on the Internet selling or organizing large credit cards, often with a limit of more than 50,000 yuan, and some even sell black gold credit cards with a limit of 300,000 yuan for cardholders to use—— now. Therefore, an important sign for banks to judge cash withdrawals is that the credit limit of the credit card is relatively high, usually tens of thousands of yuan. In the words of industry insiders: "It is relatively safe to set up."
Credit cards used to arbitrage large amounts of money almost every month, and generally account for more than 90% of the total amount. One of the most important features is that large integer amounts such as 20,000, 40,000, etc. often appear. Because it is rare to encounter large integer amounts when swiping cards for daily consumption, this is also one of the conditions for bank judgment.
In order to avoid their accounts being noticed by the bank, many cardholders often choose different intermediaries when withdrawing cash, thereby changing the POS machine where the card is swiped. But did you know that this approach is futile. Set - Most of the POS machines in the hands of intermediaries have been subject to high-risk operations for a long time, and are closely monitored by UnionPay and card-issuing banks. The method of changing POS machines is just to change from one high-risk POS to another high-risk POS. If it is used every month Large-amount purchases on high-risk POS machines will also be regarded as high-risk objects by banks.
If the cardholder can repay the full amount every month, but uses up all the credit limit immediately within 2 or 3 days after the repayment, or at the same POS within a few minutes after the repayment, Wiping out all the credit limit on the plane is also a behavior that can easily be defined as cash-out by banks.
From the perspective of cardholders, unless the financial strength is very strong, the possibility of ordinary users making large purchases of tens of thousands is very small. Secondly, credit card accounts that have been depleted every month for a long period of time are easily noticed by banks. In addition, due to the high-risk POS consumption record of the card, such accounts will almost always be classified as high-risk accounts by banks. Friends who are trying to cash out, for the sake of your good credit record and smooth borrowing in the future, I hope you can use your card safely and stay away from cash out.
So if we want to avoid being targeted by risk control when using credit cards, we should try not to use the same POS machine for large purchases to avoid being misunderstood by the bank as "cash withdrawals." I suggest you here that if you really need to spend a large amount of money, it is best not to max out your credit card at one time. It is best to control it to 70 of the credit card limit, and the consumption amount is best not to be an integer.
In addition, after a large purchase, you can make several small purchases. Especially for users who have just opened a card, it is better to go to a large supermarket to make a few small transactions first. This is also a normal use for you. A proof of the card.
Another way is to make installment payments. From the perspective of benefits, banks encourage users to make installment payments. If you make installment payments occasionally, the bank will "trust" you more! Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact us to delete it.
The bank with the loosest credit card risk control ranks first
China Merchants Bank.
Although the risk control of China Merchants Bank is also relatively strict, compared with most banks, the risk control points of China Merchants Bank are relatively high and not as direct as other banks. It can be said that the risk control of China Merchants Bank depends on The amount depends on your contribution.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
What are the good risk control companies in bank risk control?
We card players often talk about which bank has strict risk control and which bank has loose risk control.
Today I saw netizens discussing the risk control rankings of credit card banks in the forum, so I wanted to write an article to chat with my friends
We good citizens naturally lack experience in risk control. For this reason, I specifically consulted a professional intermediary.
The following is an answer given to me by professionals. I am afraid that many people have fallen into this trap!
First place: Bank of Communications
Bank of Communications is a veteran of the domestic credit card industry. It is also famous for being a customer with difficulty in raising credit limit and a major risk control customer.
BoCom’s risk control is recognized as the strictest in the industry, and it deserves the title of Big Brother in risk control.
If you mess with Gillian, Gillian will definitely mess with you.
They will send you text messages to reduce your credit limit at every turn. Some cards will be blocked directly if you use them badly. They are famous for their strict risk control.
The editor once logged into the "pay the bill" early in the morning, and immediately received a text message asking if he could log in personally.
In similar situations, there are people who call you directly in the middle of the night.
Someone once messed with Gillian, and Bank of Communications customer service informed him to cancel his card.
He wanted to save himself and mentioned that there was still more than 200 arrears on the card and he could not cancel the card yet.
Unexpectedly, the customer service said that you don’t have to pay back the money and have already applied for a tax exemption for you.
In this way, his card was forcibly canceled and he felt that he was seriously disliked by the Bank of Communications.
Also, when Bank of Communications calls you, you must answer it, otherwise it will escalate to freezing your card.
Therefore, there is no doubt that Bank of Communications ranks first.
Second place: CITIC Bank
People at CITIC are called Iron Roosters. At first they said that CITIC’s risk control was very strict, but I didn’t believe it.
It has been seven or eight years since I opened my CITIC card, and the limit has increased from 50,000 to 200,000. CITIC has not checked the loan once.
I applied for the CITIC Easy Card and was trying my best to collect points, but CITIC didn’t make any move.
Someone proposed a concept called the risk control period. CITIC prohibits empty cards in the first month.
It should be understood that CITIC has a very white face when it comes to high-quality customers, but a very dark face towards risky customers.
Once a customer is overdue, CITIC will be the first to bear the brunt of the reduction.
To put it simply, based on your external credit report, our bank has decided to lower your credit limit.
Other banks will basically ignore you as long as their credit cards are not overdue.
CITIC is the most hateful guy. As soon as a customer is overdue, CITIC will be the first to disembark and run away.
The editor guesses that CITIC should have some kind of channel that will know whether you are overdue without checking your credit report.
CITIC’s derating is still a trick.
You still have a few hundred yuan, I don’t care about you. If you pay several thousand yuan, you won’t be able to get it out.
I won’t beat you to death at once, but once a month, I will cut you with a small knife.
Slowly, tens of thousands of meat cards turned into thousands of vegetable cards.
This was sent to me by someone yesterday. The original limit was 12,000.
The first repayment was reduced to 8,400, the second repayment was reduced to 5,880, and the third repayment was directly to 5,000.
Third place: Ping An Bank
Ping An Group has many platforms, including Ping An Puhui, Ping An Insurance, etc. The most powerful one is the credit reporting company.
At the beginning, the central bank issued eight personal credit reporting licenses, among which Qianhai Credit Reporting was a wholly-owned subsidiary of Ping An.
In addition to having a large amount of financial data resources, Ping An also pays special attention to artificial intelligence.
So although Ping An’s risk control is not the strictest, it is definitely the most powerful.
Ping An’s credit card can be activated via video.
If the mobile phone used to apply for a safety card is not in my name, I will be asked to enter my bank card for verification.
I have also encountered people who require facial recognition when applying for a safety card.
Ping An’s risk control abnormality is that it directly blocks merchants. Merchants on the blacklist cannot be used directly.
Many people have encountered Ping An’s blacklisted merchants. Not only are credit cards unable to be used for transactions, but they also receive risk control calls from Ping An.
Some people received card blocking messages before their cards were activated.
Ping An is a very difficult bank to deal with and has a very strict style.
As for the pick-up and drop-off airport, if you are picked up by wool gangs, just pick them up. It can be improved as long as they are improved.
This is not safe, it will be reversed directly.
I quite appreciate Ping An’s personality.
Fourth place: China Guangfa Bank
Guangfa is a bank that knows its shame and then becomes brave. The credit card business developed very early, and the Gold Card can give out more than 200,000 yuan.
Now I am sensible and know that the world is dangerous. I also started to run a small black room, and the price was reduced to 8 yuan by accident.
If you enter the dark room of GF, you won’t even be able to get an installment, and even applying for a second card will be rejected immediately.
While others avoid the installment calls, you are quiet and no one ever disturbs you.
Sometimes, ignoring is the greatest contempt.
How to break GF’s big black house has always been a recognized problem in the industry.
In May this year, a large number of GF cardholders had their credit levels reduced.
There are basically two types of reductions: either the quota is cut in half, directly reduced by 50; or it is even worse, reduced to 3,000!
When you go to customer service to complain, the customer service reply is a risk assessment conducted from time to time based on external regulatory requirements.
In other words, GF has adjusted its credit policy or accessed a third party’s big data.
When the system automatically runs the batch, the winning bid will be derated.
So now people who play GF are cautious, and they don’t even dare to earn 600,000 by DIY.
Fifth place: Shanghai Pudong Development Bank
Shanghai Pudong Development Bank is an internet celebrity bank, with rapid credit limit increase and strong universal funds.
The regular limit is only 10,000 to 20,000, but the ten thousand yuan is given to 300,000.
If you grant too much credit, you will easily feel guilty.
That’s why Pudong Development Bank’s post-loan management is very frequent. If you don’t believe it, go check the credit report.
The protection fee of Pudong Development Bank is particularly obvious. If you are on the blacklist and there is no installment, it will indeed be reduced.
The customer service at Pudong Development Bank does not look like customer service at all, but like debt collectors. Their tone is unpleasant and arrogant.
The sentence "The decision of installment is up to you, but I recommend you to installment",
It can overwhelm you in terms of momentum, and the feeling of being threatened will arise spontaneously.
Those who have a guilty conscience and have poor stress resistance will immediately give up. If it’s okay, I’ll divide it up.
Many people have a large credit limit at Pudong Development Bank, and the consequences of being blocked are unbearable, so they can only pay in installments.
Pudong Development Bank’s derating is actually very snobbish.
After installment, you can cash out without derating.
Without installments, even real transactions may result in reductions.
There are people around me who have real large transactions detected by Pudong Development Bank and asked for installments.
When he refused, Pufa really reduced the 100,000 yuan card to 1,000 yuan.
However, when I uploaded the invoice later, the credit limit was restored.
It is said that Pudong Development Bank is becoming more and more like an online bank. It not only relies on big data for risk control, but also relies on online application for card issuance.
The current business of Pufa is very difficult, and many card clerks have resigned.
Sixth place: China Merchants Bank
China Merchants Bank is quite strange. Generally, it will not directly reduce the credit limit and block the cards. Instead, it likes to lock customers in a dark room.
No derating does not mean poor risk control. It can pinpoint merchants and restrict card swiping in the background.
Many merchants on popular platforms have directly entered the investment blacklist.
Block the merchant directly and prevent you from swiping your card.
Can do such a thing. In addition to Ping An, there is also investment.
The risk control team of the investment promotion team is very diligent, and the road today may be blocked tomorrow.
China Merchants also blacklists contacts. Last time someone played the 10 Yuan Storm too hard and was blacklisted by China Merchants.
As a result, his wife paid 500,000 yuan for three months to apply for a classic white paper, but the application was also rejected.
The investment strategy is to blacklist you if you cash out, but you can continue to cash out.
However, some people also say that investors are smart people, so just pay me the handling fee to make money.
The so-called risk control is a dynamic process. Like GF's risk control, it typically changes from loose to tight.
Agricultural Bank of China, China Construction Bank, and Minsheng Bank, which are recognized as lax risk control institutions, have recently frequently reduced their credit limits and blocked their credit cards.
Which platforms have good bank risk control systems?
I know that Tongdun Technology is good, and our bank is cooperating with them.
Tongdun Technology is an independent third-party intelligent risk control and analysis decision-making service provider. Their intelligent risk control solution comprehensively uses distributed computing, real-time computing, data mining, machine learning modeling, complex Network and other advanced computer technologies encapsulate and integrate data access, storage, transmission, task scheduling, model development, operation, output and other levels to provide end-to-end intelligent analysis solutions. Customers only need to The API interface provides input parameters, and the output results after intelligent model calculation and analysis can be obtained at the millisecond level. Tongdun intelligent risk control is helpful for banks' pre-loan, loan, and post-loan business processes and risk management, helping banks improve customer experience and operational efficiency.
Which bank has the best credit card risk control?
Currently, Bank of Communications is recognized as the bank with strictest risk control, especially for credit card users with higher credit limits who are conducting large transactions. Will be very strict. For example, if you make a large amount of consumption just after opening the card or have a fixed large amount of consumption every month, the probability of the cardholder being "risk controlled" will be very high. Therefore, in order to avoid being "misunderstood" by the bank when using the card, cardholders should try not to use the same POS machine for large purchases, and at the same time, they should ensure that they do not max out the card. If you really need to make a large purchase, then the editor recommends that you use up to 70 of your credit card limit at one time, and the charge should not be an integer. It is much better to use POS machines to make purchases with points.
In addition, you can make several small purchases after a large purchase. Especially for users who have just opened a card, it is better to go to a large supermarket to make a few small transactions first, which is also a good way for you to use the card normally. a proof of. Another way is to make installment payments. From the perspective of benefits, banks encourage users to make installment payments. If you make installment payments occasionally, the bank will "trust" you more.
Compared with Bank of Communications, the risk control management of Bank of China, Industrial and Commercial Bank of China and China Merchants Bank is more humane. Cardholders who want to do credit card financing can give priority to these companies, provided that they must repay on time. Be sure not to exceed the deadline and make financial and consumption plans, otherwise you will become a card slave and get twice the result with half the effort.
That’s it for the introduction of credit card risk control rankings.