1. The mobile phone receives a short message from the bank, prompting that there is a risky transaction in the near future, reminding customers to standardize the use of cards;

2. In the process of credit card consumption, transactions are sometimes restricted, but it is clear that the card has an available quota and the POS machine is also trouble-free;

3. There is no temporary limit for credit cards;

4. It may be impossible to handle installment business such as cash installment.

It is recommended that customers use their own cards well at ordinary times to avoid bad card use behaviors such as frequent large-scale credit card swiping and always swiping cards at the same merchant; And remember to repay on time to avoid overdue.

When using a credit card, if the cardholder's habit of using the card suddenly changes, or the credit card is suddenly maxed out, the bank will think that the cardholder has an abnormal transaction or is suspected of cashing out, then the bank will remind him with a warning message that his credit card transaction is risky, so please standardize the use of the card.

If the credit card used by the cardholder has always been normal and can't be used for credit card consumption suddenly, then there must be an abnormal transaction in the credit card, or it may be that the credit card has expired and was blacklisted by the bank without knowing it, which is also a sign of credit card downgrade.

If cardholders always use their cards regularly, it will be very easy to apply for installment, because if high-quality customers apply for installment repayment, banks can earn a handling fee. Then once the installment application is rejected, it means that the cardholder may become the risk control object of the bank. Once you enter the bank's dark room, it is early to be downgraded.

The harm of credit card overdraft:

Have a bad credit record;

Interest: calculated at 0.5 ‰ per day;

Late payment fee: generally 5% of the unpaid part of the minimum repayment amount (depending on the regulations of each bank);

Credit card malicious overdraft may also face criminal punishment;

Those blacklisted by banks can no longer have credit relations with banks within 5 years from the date of paying off their debts. A delay of one or two days in repayment will not have much impact on credit standing, but overdraft interest will be charged, that is, overdraft interest will be charged for two days according to one ten thousandth of the overdraft amount.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.