In recent years, the supervision of credit cards by major banks has been increasing, and the risk control policies have been gradually tightened. If the cardholder has the following conditions, it means that you are not far from the card drop:

SMS Phone: It means that you receive a phone call from the bank or a short message reminding the cardholder to use the credit card for personal consumption. Please standardize the use of cards, which means that the cardholder has been targeted by the bank and is on the bank's risk control list.

Restrict transactions: cardholders have been able to swipe their cards normally before, but suddenly they can't. Even if you can't change a few POS, it is actually restricted by the bank, and the next step is likely to be reduced.

Refuse to installment: as long as the card is used normally and there is a quota, the bank will let everyone apply for installment. If it can't be staged suddenly, it means that the credit card is on the gray list and may be locked in a dark room.

Therefore, it is very important to master your own credit card information and understand your own credit card usage. Just like the online loan big data report, there are also evaluation reports in credit cards. You can get a credit card analysis report on the official account of WeChat-Kayouchali, and the platform will evaluate a credit card risk report for you, so that you can understand your risk behavior more clearly and intuitively.