1. Can be used after risk control:

Generally refers to minor risk control, such as simply being reduced, or receiving a warning text message from the bank, or being unable to apply for installments , but you can still make transactions by swiping your card, so this problem is basically not a big problem. However, there may be a phenomenon where your credit card limit is directly reduced to 0. As long as the card is not blocked, you can still deposit money into the card and use it for consumption.

2. It cannot be used after risk control:

If transactions are restricted, card consumption cannot be swiped, or the card is directly blocked, then it will be more serious. Basically, it cannot be used anymore. Keep using the card. If you want a card, you can only call the credit card customer service of the issuing bank to see if they can help you remove the risk control. If so, you can continue to use the card.

It can be seen that credit cards may not be usable after risk control, so we must simulate real consumption scenarios when swiping credit cards to avoid risk control as much as possible.

If your credit card is subject to risk control, you must first call the bank's credit card customer service center to understand the reason for the risk control, and then prescribe the right medicine and take corresponding measures, as shown below:

1. Swipe your card at large supermarkets more

This is very important, especially for new card holders. Swiping your card at large supermarkets can fully prove that you are using your card normally.

2. Increase the number of credit card swipes

After paying off the credit card in each period, do not use it all two or three times. This is easily regarded as a arbitrage behavior, and banks are very strong in cracking down on arbitrage behavior. Once it is determined to be a cash out, the credit limit will be reduced, or the credit card will be permanently frozen.

3. Pay attention to the credit limit in each period

Although swiping more cards can make your card more active, you still need to pay attention to the credit limit in each period and do not max out every period. Try to use 70 of the quota, not too much or too little.

4. It can be restored after communicating with the bank

There is another reason why the credit card is risk controlled, that is, the bank's risk control system automatically captures the abnormality in your account, which may be affected by Illegal attacks, etc. In this case, as long as you communicate with the bank and change the account password, you can usually release the control.

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