First place: Bank of Communications

Bank of Communications is also known as a bank with strict risk control, so it has been called the "Iron Rooster" by netizens. Even if you don’t mention the amount, you will be prompted for abnormal consumption at every turn.

Therefore, cardholders who hold Bank of Communications credit cards must not easily swipe through low-rate machines or use any card swiping software. Be careful about derating!

Second place: Industrial and Commercial Bank of China

Most netizens said that Aunt Bank does not follow routines and is somewhat similar to Bank of Communications. The limit increase depends entirely on your mood, and the risk control is stricter than that of Bank of Communications. It is very dangerous to use the card beyond the limit, and there is a high probability that the limit will be reduced.

Third place: China CITIC Bank

Some netizens said that China CITIC Bank’s risk control cannot be relaxed much, and it likes to reduce the credit limit without warning. Many people say that the first transaction of CITIC will be normal, but the risk control will be reduced from the second transaction, which is really confusing.

When your credit card is reduced, don’t worry first. Find out the real reason for the reduction on WeChat and obtain a credit card report through “Card Youcha” to effectively check the account. If your credit card is restricted because it is overdue, you should quickly pay off the debt and use new card usage behavior to cover the old bad records; if it is because you are suspected of cashing out, you can call the bank's customer service hotline and provide relevant consumption certificates to the bank, and then Apply to the bank to restore the credit limit. If the card swiping is abnormal, as long as you insist on normal transactions and abide by the card swiping rules, the limit can be gradually increased.