As a kind of bank card, credit card has the function of overdrafting for people in advance. Based on this function, consumption with credit card has gradually become a favorite consumption mode among young people. After all, young people are energetic and have strong spending power. They don't save money like middle-aged and elderly people do, but they have a consumption attitude that makes them happy. In addition, young people have not experienced the hardships of the older generation who did not have enough to eat and suffered from hunger. They grew up in honey jars and can definitely pay for their own consumption.

Even if you are unable to pay the bill, you can apply for a credit card with your parents' permission and let your parents pay for your consumption. They can buy a pair of their favorite shoes or technology device this month and then use the installment plan. You can also make various early purchases this month and defer repayment next month when you have money.

It was pointed out in a payment system status report last year that the number of credit cards held by people in my country has exceeded 766 million. A 2015 survey of credit cards owned by young people showed that in my country, the probability of young people holding credit cards is as high as 83%.

In Japan, the probability of young people holding credit cards is 79.5%, which is close to that of our country. In India, the probability of young people holding credit cards is as high as 95.5%. Almost every young Indian has a credit card. Credit cards are so popular because they do have their own unique features. With a credit card, people can make basic shopping purchases, which is also one of the most important uses of credit cards.

Under normal circumstances, when people make purchases in normal hotels, restaurants, supermarkets and other places, it is a normal charging behavior, and there will be no abnormal behavior with credit cards. However, in some cases, credit cards will display abnormal conditions. People who use credit cards should pay attention. If you encounter the following situations, it means that the bank has "hinted" you.

Normally, when people use credit cards, they will not engage in various illegal cash-out behaviors, let alone other abnormal consumption behaviors. But occasionally, the credit card in your hand will behave abnormally. Once there is abnormal behavior on the credit card, the bank will remind you in advance through text messages or phone calls.

When using a credit card for shopping, a text message about your financial status will always pop up. This text message will tell you when and how much you spent. In fact, this text message also ensures the safety of your property. A performance and a credential. However, many people often do not pay attention to this text message and inadvertently miss a lot of powerful evidence of financial status. Therefore, you must develop the habit of reading financial status text messages.

In addition, when an abnormality occurs in the cardholder's credit card, a text message will also appear. This text message will remind the marked credit card of abnormal behavior. This is also an early warning to the credit card to the cardholder. performance. After seeing this text message, you must go to the bank promptly to check the status of your credit card.

In addition to text message warning, there will also be a way to make a phone call. These bank staff will call the credit card holders as soon as possible and inform these cardholders of their current credit card status. You must understand that this is actually one of the banks' methods to hint at credit card deviants. If your credit card has indeed not had any so-called abnormal purchases and actions in the short term, you must pay more attention at this time and provide timely feedback to the bank.

In case of abnormality with credit card. In addition to sending text messages and making phone calls, the bank will also take the next step, which is to cancel the cardholder's cash installment qualification and be listed as a key risk control target. Many people will find that they are unable to make installment payments when making purchases. This is actually because the bank freezes the credit card for a short period of time or cancels the installment payment in order to protect the cardholder's property when it discovers an abnormality in the cardholder's credit card. If you find that you cannot pay in installments, don't be careless. You must fully understand the status of your credit card to see if your credit card has encountered any abnormal behavior.

So, what behaviors will cause credit card abnormalities? The first is malicious overdraft behavior, which includes frequently swiping credit card limits. The other is "overdraft behavior in another place", which is also a behavior that causes abnormalities in credit cards. Another point is blind cashing out. If a credit card is cashed out arbitrarily and blindly, you will basically receive an early warning from the bank. In addition, there is also a risk of theft when consuming, but after authentication, it is confirmed that it is consumed by me, then there is no problem.

In short, when using a credit card, you must use it correctly and never use it blindly, otherwise your credit card will be abnormal if you are not careful. Of course, don't be too nervous after an abnormality occurs in your credit card. Under normal circumstances, you can communicate with the bank in time and explain it reasonably. Only in this way can your credit card return to normal, otherwise it will be included in the risk control list. So this must be remembered.

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