The bank's policies are constantly changing, with some loose and some tight. Generally, if the state strengthens the supervision of banks, banks will naturally strengthen the supervision of cardholders, so the risk control will become strict.
However, there are always several banks, no matter how the policies change, which are always in the forefront of strict risk control. Friends who hold credit cards from these banks should be more careful when using credit cards.
since the news of tightening the bank's risk control appeared last year, the cold wind of reducing the credit card has been blowing. After collecting feedback from netizens and industry professionals, today I will take you to take stock of the five banks with the strictest risk control.
first place: China guangfa bank
although China guangfa bank has always been loved by everyone for its fast deposit, high quota and quick withdrawal, I am afraid many people will not understand it if it is placed in the first place.
generally, compared with other banks' credit card control limits, Guangfa Gold Card can give hundreds of thousands of credit cards.
however, in the past year or so, the risk control of Guangfa has been strengthened day by day, and the reduction rate is also amazing. Among them, 5% of the people's quota was directly cut off, and it was reduced to 3 just after the payment was completed, and the proportion of people who reduced the quota was not small.
At present, most people who have reduced the amount have two characteristics:
First, the responsibility rate is too high and the contribution to the bank is low;
second, the card is empty for a long time or there are serious violations.
these need more attention!
Second place: Bank of Communications
Bank of Communications is also a well-known risk control tycoon in the industry. The risk control system is extremely sensitive. Sometimes, if you swipe your card, as long as the time or amount is slightly sensitive, you will receive a phone call from the customer service of Bank of Communications.
Some netizens reported that they ate a barbecue on the roadside in the early hours of the morning and brushed a few hundred dollars. They immediately received a call from the customer service of Bank of Communications asking if they would swipe their cards themselves.
The risk control of Bank of Communications pays more attention to two points: illegal credit card swiping and minimum repayment. There are not many direct card closures, which are generally gradual.
at the beginning, credit card usage was restricted, and the number of installments became less. Later, it was impossible to installment, and if the credit card usage was not improved, the amount would be reduced or even the card would be blocked.
Third place: Ping An Bank
Although the risk control of Ping An Bank is not so strict, the supervision of illegal card swiping is also very strict. You may get a phone call from the bank customer service bill if you use the card carelessly.
Fourth place: CITIC Bank
CITIC Bank is also famous for its strict risk control. The credit card application threshold is relatively low, but the risk control is very strict. There are many similarities between CITIC's risk control system and Bank of Communications. The most important thing to use CITIC's credit card is to be active. If it is idle for a long time, the chances of being reduced or even blocked are relatively high.
fifth place: Shanghai Pudong Development Bank
The risk control behavior of Shanghai Pudong Development Bank is called uncertain and unpredictable. Everyone has different opinions about it. Some people say that it is the bank with the lowest bottom line. Although the risk control is very strict and the risk control calls are frequent, it is mainly aimed at cardholders with low contribution value, but for those with good qualifications and high contribution, it is easy to talk.
what should I do if my credit card is controlled by the wind?
1. Know the situation in detail
First, communicate with the customer service of the bank credit card to find out the reasons for being controlled by the wind, and then "prescribe the right medicine" to take corresponding solutions.
2. Increase the number of swipes
Banks have a very strong impact on cashing. If users use a few times to brush up the limit, once you are recognized as cashing, the card reduction will not be far away.
3. Pay attention to the amount of credit card swiping in each period
Be careful not to overdraw your credit card in each period, and try to use 6-7% of your credit card as much as possible, which is neither too much nor too little. If you overdraw in each period, the bank will certainly think that you have financial problems. Isn't the reduction just to prevent risks?
4. You can recover after communicating with the bank
In fact, there is another reason why the credit card is controlled by the wind, that is, the bank's risk control system automatically captures that your account is abnormal, which may be an attack or other circumstances. At this time, as long as you communicate with the bank and change the account password, you can generally cancel the control.
Comprehensive compilation from People's Payment Network, Vertical Brush and Easy Pay.