The credit cards of the same bank will definitely be affected, and the credit cards of other banks will not be affected.

Bank cards are controlled by the wind, and it is necessary to see whether there are the following 9 behaviors:

1. The credit card is seriously overdue.

The credit card center will apply to the central bank once or twice a year to check the credit information of cardholders. If the cardholder has too many overdue records or too many credit cards, the bank may reduce the cardholder's amount. When the credit card overdraft ratio is high or overdue for a long time, in order to reduce the loss, the bank will reduce your limit, and if it is serious, directly seal the card for disposal.

2. Abnormal consumption, entering the bank risk control system.

There are many details that lead to this result. For example, the same card has a large transaction within 2 hours or in two terminals, or it is operated by a low-rate POS machine for a long time, or it is repaid in a short time today, which may be considered as abnormal card use.

3. The credit card amount is inconsistent with the merchant for a long time.

The credit card quota does not match the merchants for a long time, and it is easy to enter the "key monitoring object" of the bank.

In normal consumption places, such as supermarkets and convenience stores, it is no problem to swipe your card. But in many low-cost pos machines, there are thousands of restaurants and hotels for a long time. Do you often eat thousands of fast food? The bank will close sooner or later if it doesn't put you on the risk list.

The bank determines that your repayment ability is limited.

For a long time, let others help you repay or pay the minimum amount, and the bank will certify that you are a gold-deficient customer. In order to reduce risks, certain risk control measures will naturally be taken.

5. mention the existing.

Credit card cashing is illegal, and long-term cashing is easily subject to bank risk control. Once discovered by the bank, the bank will reduce the credit card limit or even seal the card.

6. Credit cards are not used for a long time.

If the credit card is not used for a long time, it is equivalent to dormancy, and it will also be reduced.

7. Policy derating

For example, CITIC Bank has issued a notice to reduce the amount of credit cards that have not been traded for six months, which is a policy reduction.

8. Bank risk control

If the transaction is abnormal, it will often be targeted by banks. When the situation is not good, the cardholder will receive a short message, the content is roughly as follows: "Dear customer, there has been a risky transaction on your XX credit card recently, please remind us to standardize the use of the card. Banks will take measures such as reducing the credit card quota in accordance with regulatory requirements to ensure the security of credit cards. XX bank ".

9. The credit card has a large amount, which is an integer.

Credit card transactions are all integer consumption, such as 10000, 50000, etc. , does not meet the regular consumption. If this happens frequently, it will be considered as cash by the bank, and it is not far from being downgraded by the bank.

How to remove the risk control of credit card;

1. reapply for a new credit card. Re-apply for a new credit card at the bank through online banking or bank counters. The card type cannot be the same as the blocked card.

2. Provide transaction bills to the bank card department. This method is suitable for credit cards that banks are suspected of cashing out. Call customer service directly and say that your credit card has been blocked. Customer service will ask cardholders to provide consumer invoices and POS paper purchase orders (banks do not recognize electronic receipts), as long as they can fax or scan the POS paper purchase orders suspected of cashing out to the bank mailbox.

3. Cross-regional restrictions are automatically unsealed. Generally speaking, if the credit card suddenly appears cross-regional or consumption abroad transactions, the bank will protect the cardholder's credit card from being stolen. The cardholder's credit card will be sealed, and then the cardholder will be contacted by phone to confirm that it is his own transaction and will be automatically unsealed.

Extended data:

What impact will credit card risk control have?

1. Freeze the credit card: If the credit card is controlled by the wind, some banks will directly freeze the card and prevent you from using it. For example, once the Bank of Communications finds out that you have the above-mentioned alleged behavior, it will immediately seal the card, and you may be required to pay back in full after sealing the card. If there is no money to pay back, it will be overdue and affect credit.

2. Reduce the credit limit: If you find that the credit card has been inexplicably reduced in the process of using the card, there is no doubt that nine times out of ten it is the result of bank risk control, and the credit limit is less, and there is nothing to brush.

3. Don't give you a temporary quota: When the consumer demand is large and the fixed quota is not enough, some card friends will apply for a temporary quota. What I want to tell you here is that if your credit card is under the risk control of the bank, the result of applying for a temporary limit is directly rejected by the bank.

4. Impact on personal credit card: If your credit card is blocked due to bank risk control, it will be displayed in the credit information system of the People's Bank of China that the reason for freezing is cashing out, which may also affect your personal credit.

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Disadvantages of credit cards:

1, blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

2. Excessive consumption

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you can repay them.

3. High interest rates

If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of its overdraft amount in that month).

4. An annual fee is required.

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Step 5 steal brushes

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary trouble or loss.

6, affect personal credit records

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

7, repayment trouble

Going to the bank every month is often overcrowded, and online repayment is not suitable for everyone.

8, cancellation trouble

CCTV once reported that a cardholder received a bank bill a few months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.

9. Although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.

Baidu encyclopedia-credit card

What are the consequences of credit card (credit card) risk control?

The consequences of credit card (credit card) risk control objectives mainly include these:

1. Credit card (debit card) is frozen. After the cardholder's credit card (debit card) is controlled by the wind, it is very likely that the bank will directly freeze the credit card (debit card), and the cardholder can no longer use the credit card (debit card) for consumption.

2. Credit card (debit card) reduction. If the cardholder's violation is not very serious, the credit card (debit card) limit is likely to be reduced after the wind control.

It is difficult to increase credit cards (debit cards). When the credit card (debit card) is subject to risk control, it is more difficult for the cardholder to apply for an increase or temporary limit.

4. Affect personal credit information. After the credit card (debit card) is controlled by the wind, if it is found because of cashing, it will be included in the credit investigation.

What is the impact of credit card risk control?

Credit card risk control generally refers to some irregularities in the use of credit cards, such as cashing out and long-term overdue. , leading to credit card being downgraded, restricting consumption, freezing accounts and so on.

Why are credit cards subject to bank risk control? Common reasons for credit card risk control:

1. Cardholder's credit card is overdue for a long time. The most common reason for card closure in life is that the credit card is overdue. If the credit card with more than three bills is overdue, the bank will charge interest and late fees to the overdue cardholders, which will seriously affect the credit information and make it difficult to borrow money in the future. If the cardholder's credit card is overdue for a long time, it is inevitable to seal the card. Not only that, the cardholder has to return more interest. If the long-term arrears are not paid back, the bank will doubt the cardholder's purpose and intention, whether it overdraws maliciously, whether it evades repayment, etc.

2. Cardholders frequently cash out their credit cards. Friends all know that cashing out credit cards is illegal in itself. However, there will always be some cardholders who take risks to cash out, brush out the overdraft limit of credit cards, engage in speculation and earn spreads by brushing low-rate POS machines or conducting false transactions. This behavior can be monitored by banks. Generally, banks will not control or reduce the amount of small transactions, but if it is a large transaction, risk control will definitely be banned. So friends should pay attention to this.

3. The cardholder's credit card was stolen. Once the credit card transaction is abnormal, it will be judged as suspected card theft by the bank, especially if the card is swiped in different places, which is likely to be a fake card transaction. In this case, the bank will generally freeze or seal the card.

What if the credit card is controlled by the wind?

Credit card risk control solutions are as follows:

1. After the credit card is controlled by the wind, immediately call the customer service phone of the credit card and ask why the credit card is controlled by the wind;

2. Apply to the credit card customer service to cancel the credit card risk control, indicating that the individual belongs to normal consumption and has not used the credit card illegally;

3. The cardholder shall prepare relevant consumption vouchers (which may include invoices and WeChat transaction records, etc.). ) and submit it to the credit card customer service for review;

4. The cardholder waits for the audit result of the bank. After the credit card is released from risk control, you should continue to use the credit card normally and not be subject to risk control again.

What is the performance of credit card (debit card) being controlled by the wind?

Credit card (debit card) has many forms under the control of the wind:

1, received a warning message from the bank. Banks will send short messages to remind you to use credit cards (debit cards) for daily consumption, or warn you to use cards illegally.

2. Credit card (debit card) can't be divided into installments and can't be withdrawn. Credit card (debit card) can still be swiped with the wind, but it is rejected by stages, or the card is often used but the promotion amount is not given.

3. Credit card (debit card) is restricted from trading. For example, it will remind merchants that the transaction is limited, but the available amount in the card is sufficient.

So much for the introduction of credit card risk control.