The major credit card application platforms act frequently, and many cardholders' credit cards are subject to wind control. Either the credit card is downgraded or the credit card is blocked, or the card is used in the wrong way. Then, how to swipe a credit card will not be controlled by the wind? This is the correct way to use the card!
1. Credit card spending during normal business hours. Except for 24-hour convenience stores, hotels, etc., the normal business hours of most merchants are from 8 am to 1 pm. If users often swipe their cards in the middle of the night, and they are all merchants that are closed during normal hours, banks may think that users have illegal card use behaviors, especially those with large amount of credit cards and high frequency, which are more likely to be controlled by the wind.
2. Diversified consumption. If you spend your credit card in the same merchant or often on the same POS machine for a long time, because the bill directory is too single, it will also be suspected by the bank of unsafe card use, which will lead to wind control. Therefore, users should spend in different types of merchants, preferably covering various fields such as food, clothing, housing and transportation, and the amount of consumption should best match the types of merchants.
3. Take part in bank activities. Many banks have cooperated with many merchants to launch some preferential activities, such as the signature activity of Bank of Communications-the fifth red star period, etc. When these merchants swipe their cards, cardholders can make profits for the banks and accumulate points themselves, thus gaining the recognition of the banks and avoiding the situation that credit cards are controlled by the wind.
4. Rich consumption patterns. In addition to offline card swiping methods, users should also combine online consumption methods. In addition, in the process of swiping cards, they should not only swipe POS machines, but also bind credit cards to third-party platforms such as Alipay and WeChat for code scanning payment. In addition, it is best for users to choose a cleaning machine when brushing POS machines, otherwise there will be code skipping and no points, which will be easily handled by bank risk control.
Therefore, if users want to avoid the situation that credit cards are controlled by the wind, they must refer to the above-mentioned card-using behaviors and use credit cards according to the regulations to avoid any irregularities. In addition, users should also pay attention to maintaining good card use behavior during the card use process, and repay in full and on time to avoid overdue and other bad situations.