Abnormal credit card transaction means that the user's credit card consumption behavior has attracted the attention of the bank, and then the credit card is controlled by the bank's risk. The specific reasons include brushing out the bill immediately after each repayment, skipping the code of the bill to exceed the preferential merchants or even reducing the number of merchants. At this time, users should stop their misconduct, otherwise they will be blocked in the future.

When using credit cards for spending, we must pay attention to diversification, such as shops, cinemas, restaurants, hotels and so on. Such a consumer bank will not have any doubts. But after consumption, it must be repaid on time, and overdue repayment is not allowed. General consumption should not exceed 50% of monthly income.

When users repay credit card debts, they should try to pay them off in one lump sum, and use less installment or minimum repayment as far as possible. After using the two repayment methods, the bank will feel that the repayment ability is insufficient, which is very unfavorable for the subsequent credit card limit increase. The new card must be used for more than 6 months in order to increase the quota.

Credit card applications are generally divided into general cards, gold cards and platinum cards. Usually, the general card amount is below 6,543,800 yuan, the gold card amount is between 6,543,800 yuan and 50,000 yuan, and the platinum card amount is above 50,000 yuan. But don't pursue too much money when applying, which is usually 2 to 3 times your monthly income.