Banks often issue "warnings" or warnings about these "limits" on your credit card, and you may not be aware of them.

1. Here are some signs that the bank is targeting you. The bank will send text messages to remind you. Sometimes after you swipe your card, you will receive a text message from the bank to remind you to regulate the use of your card? If you receive such a message, you will become a target of the bank's "risk control" system, so you need to use your credit card correctly, otherwise the bank may block your credit card next time.

2. The customer service department will call to ask if your credit card has been swiped. If you have made multiple large transactions or "abnormal" swipes in a day, the customer will call to ask if your credit card has been swiped. Swipe your card. In fact, the bank has already begun to suspect that you have "set off" at this time, so you must pay attention to his credit card swiping behavior later. Finally, the credit card limit is suddenly reduced. Be careful when your credit limit is suddenly reduced on the same day. After the reduction, the card will be blocked.

What to do if you don’t want to be “monitored” by the bank

1. The most taboo thing about using a credit card is that the credit card expires, which will not only affect your credit investigation record. Banks have also decided to reduce late payment fees on credit cards and seal late payment fees. We should know that in 2018, there were over $80 billion in credit card delinquencies. In order to control risks this year, banks have also strictly dealt with the issue of overdue credit cards.

2. Some people use credit cards once or twice a month, and they still spend a lot of money. In this way, the bank can easily mistakenly think that you are "cash out" and will carry out risk control on your credit card. In fact, "spend less and spend more" is not easily seen by banks, and it is also conducive to credit card withdrawals.

3. Not using credit cards for a long time. Some people now have several credit cards, but they often only use one or two. Banks will also reduce the amount for credit cards that have not been used for a long time. If it takes too long, the card may be blocked directly. Don’t think that reducing quantity means reducing quantity. Anyway, you can't use it. You should know that credit cards come with annual fees. It would be terrible if one day you forget about your credit card and run an overdue credit check. After applying for a credit card, you must use it reasonably. Don’t let your credit card issue get “one more check” on your credit card. Don’t rely too much on credit cards!