Credit card reminders to standardize card use mean that it detects illegal operations on the user's credit card and finds that the user's credit card transactions do not match the characteristics of ordinary daily life transactions. Therefore, a special text message is sent to remind you to adjust your card usage habits as soon as possible. Don't commit illegal activities such as cashing out. If there are any, correct them in time. If not, pay attention to whether there are problems in the places where you frequently use them. It may be that the POS machine that the user frequently uses has been listed as a risk merchant by the bank's risk control.

What are the credit card violations?

1. Multi-credit granting behavior

This behavior means that the cardholder applies for credit cards on multiple credit card application platforms. , even if you grant credit to more than 4 companies, this behavior will also affect the cardholder's personal credit. Because if the credit limit is too high, it is easy to overdraft and the cardholder's personal credit will definitely deteriorate once it is overdue.

2. Overdue repayment behavior

This behavior will directly affect the cardholder’s personal credit. Common reasons for this behavior include forgetting to repay, or failing to pay the minimum amount. To a certain extent, exceeding the repayment period stipulated by the credit card application platform, then an overdue payment will definitely occur. Unless the overdue card is not caused by the cardholder himself, in which case he can file an objection and apply for cancellation. Otherwise, an overdue record will be left on the credit report, and high interest and default fees will be incurred.

3. Illegal card use

Cash-out of credit cards is an illegal and illegal act prohibited by banks, and regulations indicate that credit cards must be used for personal daily consumption. Once a cardholder uses a credit card to cash out, it will be easily controlled by the bank, resulting in the credit card being frozen. At that time, there will be a special transaction record of stop payment on the credit record, which is also one of the bad records.

4. The behavior of unactivated credit cards

After the credit card is approved, it will be reflected on the cardholder’s credit report, and the current status of the card will be recorded. If it is not activated, it will Log "Not Activated". For cardholders, as long as it is not a high-end card or a special card, the unactivated credit card will not be charged, and naturally there is no need to worry about overdue cards. However, everyone knows that this is a waste of bank resources and will not be used in the future. Having too many activated credit cards is not good for the cardholder's credit.

Current credit cards are no longer suitable for long-term use of large amounts. They are mainly used as reserve funds and are suitable for temporary turnover. In order to avoid losing more than you gain, it is recommended that you apply for 2-3 credit cards. If you really have large purchases, cancel some cards with smaller amounts and apply for 1-2 more credit cards with larger amounts as a backup.