However, according to the annual report (20 19) just released last year, the growth rate of Bank of Communications Credit Card is relatively slow, which is less explained because the Bank of Communications Credit Card Center has adopted the policy of actively collecting risks, which has moderately slowed down the speed of obtaining customers. To put it bluntly, it is to reduce an overdue risk. However, it must be said that state-owned banks are willful, and there have been some traces of water release recently. After a period of data optimization, many cardholders have made temporary quotas and even released credit lines.
Citic Bank is called an iron rooster by card friends, and its risk control is very strict. CITIC Bank has a certain routine in reducing the quota. In the early days, he dropped a small knife once a month to scrape a little meat and had a fight with the blacklist of China Merchants Bank. Recently, CITIC Tianshu, which they also started to develop independently, has entered a new year's risk control upgrade, instead of directly cutting the meat or sealing the card at once to reduce the quota as before.