1, there are many credit cards in large supermarkets.

This is very important, especially for new cardholders, spending money by swiping the card in a large supermarket can completely prove that they are using the card normally.

2. Increase the number of swipes.

After each repayment of credit card, don't brush it all in two or three times, which is easy to be considered as cash withdrawal. Once it is recognized as cash, the credit card will be reduced or permanently frozen.

3. Pay attention to the credit card amount of each issue.

Although more credit cards can make the card active, we should pay attention to the credit card limit in each period, and try to use 70% of the credit card limit, neither too much nor too little.

4. You can recover after communicating with the bank.

2. What behaviors will lead to credit card prompting risky transactions?

1. This account is risky.

For example, if you change your mobile phone number and log in to an online bank, or a large transaction suddenly occurs, or a transaction occurs in a different place, especially if you often spend money at home and there is no record of spending abroad, the bank will send a text message to remind you of the transaction risk, and some banks will directly contact the card friends to confirm whether to take action.

2. Credit card merchants are at risk.

The standard rate of POS card swiping is 0.6%. Because the handling fee is borne by the merchants, many merchants will use POS machines with lower rates from third-party payment institutions, and it is easy to skip codes at this time. This situation may also cause the bank to suspect that the cardholder uses the card illegally, thus sending a risk transaction short message.

3. swipe your card during abnormal business hours.

The normal business hours of merchants are from 8 am to 9 pm, not later than 10 pm, except for 24-hour convenience stores and hotels. If cardholders use credit cards outside this time period, such as swiping jewelry stores in the middle of the night, they will also face the risks of banks, trading tips.

Third, how to lift the 24-hour credit card limit?

Credit card consumption is restricted. If the account is locked due to a wrong password, it will be unlocked within 24 hours after the bank continuously applies for unlocking.

However, if the credit is damaged due to overdue repayment, and the account cannot be consumed due to risk control, it is estimated that it will be difficult to unfreeze within 24 hours. Customers must pay off their debts quickly, and then patiently take the time to improve their credit. After personal credit is improved, the card should be reused.

And if it is because of the problem of the merchant or POS machine, but the card itself is fine, the customer can choose to switch directly to the merchant for consumption.

legal ground

Measures for the administration of credit card business

Article 62 The cardholder must keep and use the credit card properly, otherwise the economic losses caused by it shall be borne by the cardholder himself.

Article 72 Forging or stealing a credit card, using a forged or invalid credit card, or fraudulently using or fraudulently using a credit card; Those who cheat property by altering credit cards shall be punished according to law and investigated for criminal responsibility.