Credit card risk control is risk control, which means that risk managers take various measures and methods to eliminate or reduce the possibility of risk events, or risk controllers reduce the losses caused by risk events. The length of time that credit cards are controlled by the wind is not necessarily. It may be a few days short or a few years long. If you are controlled by the bank because you are suspected of cashing out, as long as you collect and submit relevant evidence to prove that you have not cashed out, the bank will release the risk control for you. If the credit card is overdue and charged by the wind, you need to pay off the credit card debt first, and then apply to the bank for cancellation.

Precautions for credit card use:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information should be protected.

The three key information on the face of a credit card: card number, expiration date and CVV code, affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. swipe your card frequently, free of annual fee; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.

5. If the cash flow is not good, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.

If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.

6. What if the funds are tight?

When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.

8. Be careful about credit card installment payment

Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.