;More and more people are using credit cards, and banks’ risk control systems are becoming more and more stringent. Therefore, more and more cardholders are finding that their credit cards have been risk-controlled. Derated and blocked. Let’s take stock of credit card risk control tips for everyone. Once you master them, you don’t have to worry about being risk controlled before using your credit card!

Inventory of credit card risk control skills

Tip 1: Single consumption amount

When using a credit card, it is recommended that the cardholder’s single consumption amount does not exceed 20% of the credit card limit. By swiping the card in this way, you can avoid "multiple large purchases" to the greatest extent, and it is less likely to attract the attention of the bank and avoid risk control.

Tip 2: Single-day consumption amount

When cardholders use credit cards, it is best not to exceed 50% of the credit card limit in a single day. The same reason as Tip 1, to avoid being suspected of cashing out by the bank.

Tip 3: Amount of consumption in a single month

When a cardholder uses a credit card, the amount of consumption by card in a single month should not exceed 80% of the credit card limit. Leaving some remaining balance can make the bank feel that the cardholder has a reasonable consumption concept, can repay the loan on time, and has good financial ability and repayment ability.

Tip 4: Minimum consumption limit in a single month

If the cardholder consumes too much, it will cause bank risk control, and too little consumption will also cause risk control. It is recommended that cardholders' consumption amount in a single month should not be less than 30% of the credit card limit. This can allow the bank to earn a certain amount of profit, maintain its own activity, and make it less likely to be reduced or blocked by risk control.

Tip 5: Avoid POS machines

When using credit cards, cardholders should avoid swiping POS machines. Of course, it's not that the POS machine itself has a problem, but that most cardholders have no way of distinguishing which is a good POS machine and which is a low-cost POS machine. Simply avoid it as much as possible to reduce the possibility of risk control.

The above is the sharing of relevant content on "Tips for Using Credit Card Risk Control". I hope it can help everyone!