At present, it is recognized that the bank with strict risk control is Bank of Communications, especially for high-volume credit card users, which will be very strict when conducting large transactions. For example, if there is a large amount of consumption just after the card is opened or there is a fixed large amount of consumption every month, the probability of the cardholder being "risk-controlled" will be very high. Therefore, in order not to be "misunderstood" by the bank when using the card at ordinary times, the cardholder should try not to use the same POS machine for large consumption, and at the same time ensure that the card is not maxed out. If you really need to spend a lot, then Bian Xiao suggests that you use 70% of the credit card limit at most once, and the charge is better than an integer. It's much better to spend some money when using the POS machine.

In addition, after a large amount of consumption, you can make several small purchases, especially for users who have just opened the card. It is better to go to a large supermarket to do a few small transactions first, which is also a proof that they use their cards normally. Another way is to do staging. From the perspective of interests, banks encourage users to go on stage. Occasionally the bank will "trust" you more.

Compared with Bank of Communications, the risk control management of Bank of China, Industrial and Commercial Bank of China and China Merchants Bank is more humanized. Cardholders who want to do credit card financing can give priority to these companies, provided that they must repay on time and make good financial management and consumption planning, otherwise they will get twice the result with half the effort.