Will credit card spending in different places be controlled by the wind? The replies from many card friends are bright ..

Since the judicial interpretation of the two high schools on regulating the credit card management order was implemented on December 1, 218, banks have stepped up their risk control efforts. Many card friends were caught off guard by a card downgrade tide, so they began to use their cards carefully, fearing that they would be the next to be controlled by the wind. As we all know, bank risk control will monitor the location of card swiping, so if you swipe your card in a different place, will it be controlled by the wind? On this issue, I sorted out some card friends' replies and felt that what I said was reasonable.

some card friends said that credit card use should not be divided into different places, as long as it is real consumption. The bank doesn't stipulate that you can only spend locally if you open a credit card. Is it difficult to make people out of the province? Besides, many people work all over the country. As long as they don't cash out in large amounts, banks generally don't pay much attention to it. However, it is best to keep the receipt when spending by credit card. In case it is really controlled by the wind, you can also take out the receipt as evidence to ask the bank to lift the risk control.

some card friends directly said, why should they be controlled by the wind? It's impossible to think about it. Can't you apply for a credit card and even go far away? What logic? Can you only use cash for business trips all the year round? ! Then why does the bank welcome overseas credit card spending? This is not contradictory! !

from the replies of these netizens, it is clear that credit cards can be spent in different places. As long as they are spent by swiping their cards normally and there is no illegal cash withdrawal, they will generally not be subject to bank risk control. In fact, the credit card is controlled by the wind, and most of the time it has little to do with the place where the card is swiped, mainly depending on whether the cardholder's card usage is normal.

For example, it is easy to be controlled by the wind in the following situations:

1. Always brush a large amount, and the amount of a single card is more than 9%;

2. swipe your card many times during non-business hours, such as before 8 am and after 1 pm.

3. Make more than 3 transactions within 6 minutes;

4. One card is operated on the same POS machine in one day;

5. Regular timing, machine booking, card booking and quota trading.

does ICBC charge for credit card swiping in different places?

ICBC's credit card has no geographical concept, and there is no handling fee for credit card spending in China.

the credit card itself does not have local or remote problems. If you swipe your card directly on the POS card reader, the handling fee will be borne by the merchant, and the cardholder will not bear the handling fee. If you withdraw cash directly from an ATM, there will be differences between local and different places. For example, ICBC credit cards do not charge a handling fee for local withdrawals, but banks such as China Merchants Bank charge a 1% handling fee for ATM withdrawals regardless of local or different places.

ICBC bank cards are divided into two types: credit cards and savings cards, and the fees charged for withdrawals in different places are different, as follows:

1. China Industrial and Commercial Bank savings cards do not charge fees for withdrawals in different places, and 4 yuan and .5% of the cash withdrawal amount are charged for each withdrawal in different places, and 5 yuan is charged at most.

2. The handling fee for RMB withdrawal from ICBC credit cards in China (including in other places) is charged at 1% of the amount, ranging from 2 yuan to 1 yuan.

there is no handling fee for ICBC credit cards to be swiped in different places. No matter which bank's credit card is swiped, no matter where it is swiped, it will be charged at 1% for cash withdrawal. Please follow the following methods for each 1 yuan credit card swipe:

1. When swiping a credit card, please don't keep the credit card away from your sight to avoid misuse or theft of the card;

2. Don't sign the blank or unfilled bill at will;

3. Before signing, please be sure to confirm whether the amount listed in the signed bill is correct, and pay attention to whether the consumption currency and the amount in words and figures are correct;

4. when using a credit card, you must sign your name to confirm your consumption, and generally you don't need to show your ID card or enter your password. However, please cooperate in the following situations: due to the operating standards, POS machines in some cities still need to enter passwords, so please enter 6 digits at will. If you spend a lot of money or buy easy-to-realize goods, it is recommended that you enter an accurate ATM private password.

what is the impact of frequent credit card swiping in different places? These consequences are more serious

A friend asked a question: He said that he had a credit card in his hometown, but people went to work in other places, but they often used it to spend money. Is this a case of swiping a card in a different place? What impact will it have if the credit card is swiped in a different place where it is not used?

in fact, this kind of situation can be regarded as swiping a card from a different place, but generally, as long as the card is swiped normally, nothing will affect it. After all, the CBRC did not force credit cards to be consumed locally. Otherwise, why did many banks buy credit cards from consumption abroad? If they can only consume locally, it is useless at all.

Therefore, there is no distinction between local and remote use of credit cards. You can use your credit card all over the country, or even abroad. Anyway, as long as the place where you spend money can support credit card swiping, you can swipe your card no matter where you are, and it won't have any impact.

however, there is one exception. That is to say, if you are local, but your credit card is spent in a different place, this situation will have an impact.

1. If you didn't swipe your card yourself, it means that your credit card was stolen and brought you economic losses. In this case, you should contact the bank to freeze your credit card in time, and then lose money through various channels. If the money is not recovered, then you need to advance it yourself on the last repayment date, otherwise it will affect your personal credit.

2. If you swipe your card yourself, it may be that you swiped the POS machine and skipped the code. If you swipe your card frequently, you will be easily exposed to the risk control of the bank because you are suspected of cashing out, and the bank will take measures to reduce your amount or seal your card, so the consequences will be more serious.

The above is the introduction of "What's the impact of frequent credit card swiping in different places?" I hope it will help you. In a word, whether the frequent swiping of credit cards in different places has an impact mainly depends on whether the cardholder swipes the card normally. If not, it will have more serious consequences. Here, it is recommended that you use the card in compliance.

I'd like to ask if there is a handling fee for credit card consumption or repayment in different places.

1. Credit card repayment, as long as it is in China, is free of charge, which is different from bank card (debit card). Bank card deposits in different places charge a charge of 1% up to 5%. The above information refers to peers.

2. There is no fixed place to use the credit card, that is to say, the credit card you set up in City A does not belong to City A.. No matter what kind of cards, including credit cards (debit cards) and bank cards (debit cards), there is no handling fee for swiping the cards in places where POS machines can be used, even abroad.