Credit card risk control is a behavior by banks to analyze and control the risks of using credit cards held by users. It will determine whether the credit card is within the risk range based on various consumption behaviors. Generally speaking, banks will make judgments based on credit risk, fraud risk, special merchant risk, and interest rate and exchange rate risk. If a credit card behaves similarly, it will be directly frozen or blocked by the bank.

The most important thing when using a credit card is repayment. Don’t blindly consume, but consume according to your actual financial ability. Once the amount exceeds the affordability, overdue repayment will occur. Occasional emergencies may be fine, but if you are overdue for a long period of time or simply fail to repay your debt, you will definitely be risk-controlled. Although a credit card is an overdraft consumer card, it also requires the cardholder to have a certain repayment ability, so it must be repaid on time.

Extended information:

Users whose credit cards are prone to risk control:

1. Small business owners: often swipe their cards at building materials wholesale POS machines.

2. Online shopping experts: Frequently use credit cards for online consumption, especially online consumption is much higher than physical consumption.

3. People who cash out with credit cards: Cashing out with credit cards is an illegal act that is not allowed by banks and is easily targeted by risk control.

4. People who frequently withdraw cash from credit cards: Credit cards are mainly used for overdraft consumption. Banks will feel that there is a problem with their financial ability if they withdraw cash too frequently.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Risk Control