Ping An Bank’s credit card cannot be used if it exceeds the limit due to risk control. Risk control refers to risk control, which is a risk control method of banks. The purpose is to restrain customers who have abnormal transactions or potential risks and further protect bank assets from losses.

For cardholders, if they are risk-controlled by the bank, they may face the following phenomena:

1. Frequently receive verification calls from the bank, such as when purchasing large amounts. After consumption, bank staff will verify the authenticity of the transaction.

2. You often receive risk reminder text messages from banks, such as reminding cardholders not to cash out, etc.

3. The credit card limit cannot be increased for a long time, which is probably related to the risk control measures.

4. The credit card suddenly cannot make transactions beyond the limit, or the consumption limit is reduced, which is also related to the risk control measures. .

What should I do if I am risk-controlled?

If our credit card is under risk control, we can solve it from three aspects:

1. Repay the loan in full and on time to ensure that it is not overdue;

2. Diversify small-amount consumption and remember not to make large-amount consumption;

3. Do installment business in a timely manner to provide more contributions to the bank.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.