Bank risk control is getting stricter and stricter. Almost every month, I hear the news that card friends are blocked and reduced, which makes many people use their cards more carefully. Many people want to know why credit card risk control is so strict. Let's give you a brief introduction. why is credit card risk control so strict? There are actually many reasons, and there are three common ones. 1. There are too many overdue people. Once the credit card is overdue, it will be listed on the gray list by the bank and become the key monitoring object of the bank. As we all know, because of the epidemic, many people have temporarily lost their sources of income and have no money to pay back their credit cards, which has led to a large number of overdue people, which has seriously affected the bank's post-loan data. For this reason, banks have tightened their risk control, and those who are not able to repay their loans will take measures to seal their cards and reduce the amount. 2. During the epidemic period, many shops can't operate normally, but there are still many people who use credit cards to cash in POS machines, especially those who often swipe their cards in large amounts, with a single amount of more than 3, yuan, which is easy to be subject to bank risk control. Coupled with the mismatch between the amount of credit cards and the type of merchants, it is easier to become the target of bank risk control. 3. The second generation of credit information will be launched in 22. The biggest thing is that the credit information will be updated. The second generation of credit information system will be launched on January 19, 22. Many banks will conduct post-loan management through the new version of credit information to understand the credit and loan records of cardholders. If we find that our bank or other banks have overdue for many times, we will also add cardholders to the grey list. If it is not overdue, but the credit card record or loan record is added, resulting in the personal debt ratio exceeding 5% of the income, the cardholder's repayment ability will be questioned, and risk control will also be carried out. In short, there is always a reason why the risk control is so strict. If you don't want to be controlled by the wind, it is best to reasonably regulate the use of credit cards, reduce the debt ratio and repay on time.