1. When the bank receives the user's card application request, it will comprehensively judge the user's debt and repayment ability according to the user's credit information in the central bank and the information in the bank's own risk control database, and then give the user a certain credit limit through the credit model. When the user's consumption habits, repayment records and debt situation trigger the bank's risk control warning line, the bank will recover the cost at one time or gradually in advance to ensure the minimum risk of credit funds.
Reasons for card closure and derating:
1) First of all, card reduction was not caused in one day, let alone which tool was used several times. The bank will build a personal portrait of the user based on the comprehensive evaluation of the usage in the past six months. The habit of using a card is a long-term thing, and you can't change the bank's definition of you once or twice, so it must be a long-term process.
2) Secondly, in the first and second quarters of each year, banks issue a large number of cards according to their tasks. The third quarter is the most stringent time for credit card risk control, because banks have to reduce the card quota with low comprehensive score. By the fourth quarter, customers with high comprehensive scores will be greatly promoted to temporary and fixed quotas. This is a measure to stimulate consumption and stimulate the economy, with the aim of earning more income.
1. Each bank has its own risk control mode, and the risk control mode of each bank is different. Some banks will not be downgraded if their cards are empty for more than six months, and some banks will not, such as CITIC Bank, which we are talking about today, but the following behaviors are basically important indicators for each bank's risk control:
1) is overdue and the severity of the overdue degree;
2) Whether it is frequent and frequent, and it costs less than 5 times a month;
3) Whether the minimum repayment amount is made one day before the repayment date;
4) Whether there is TX behavior;
5) Whether low-rate POS machines are often used;
6) Overall liabilities and assets;
7) Whether there are online loans, including flower beds, borrowing beds, gold bars and other loans.