Some people are reminded that there are risks when using credit cards. What should we do in this situation? What causes credit card prompts to be risky? Let’s find out.

How to eliminate the risk of credit card transaction prompts

1. Swipe cards in large supermarkets: For new users, swiping cards in large supermarkets can fully prove that they are using the card normally.

2. Increase the number of credit card swipes: After repaying the credit card in each period, do not use it all two or three times. This will easily be regarded as a cash out by the bank. The bank will crack down hard on cash out behavior. Once it is recognized as a cash out, This can range from reducing the limit to permanently freezing the credit card.

3. Pay attention to the card swiping limit in each period: Although swiping more cards can make the card more active, you also need to pay attention to the card swiping limit in each period. Do not max out every period, and try to use 70% of the limit.

4. It can be restored after communicating with the bank.

Causes of risk in credit card transactions

1. Account risk

Banks will cause frequent cross-regional transactions, sudden large-amount transactions, or sudden overseas consumption. Send text messages to cardholders to remind them of transaction risks, and some banks will also directly call cardholders to confirm whether they are using the card for their purchases.

2. There are risks for credit card merchants

Some merchants will use POS machines with low rates from third-party payment institutions. Such POS machines are prone to code hopping. After being discovered by the bank, , it will suspect that the cardholder has used the card illegally, thus reminding the cardholder of transaction risks.

3. Credit card consumption outside normal business hours

The normal business hours of merchants are 8 a.m. and 10 p.m. If the user makes card consumption outside this time range, for example, in the early morning If you visit a jewelry store, you will know at a glance that it is an abnormal transaction. At this time, you will also receive a risky transaction reminder from the bank.

No matter what the reason is that your credit card is prompted to be risky, it means that your credit card has been risk controlled. At this time, it must be lifted in time and the card use behavior must be restricted.