It should be downgraded. When Guangfa Bank discovers that the risk of a customer's credit card account has increased and wants to carry out risk control, it will usually issue an early warning and send relevant text messages to remind the customer. If Guangfa's credit card is under risk control, although the credit card can still be swiped, the card must be used in a standardized manner. Otherwise, the bank will swipe randomly and directly block the credit card permanently. There will be no firewood if the green mountains are gone. . So don’t be afraid if your credit card is subject to risk control. As long as you can still swipe your card, there will be hope. If you want to win back the trust of the bank by swiping your card, it is best to swipe your card at a merchant specially authorized by China Guangfa Bank. You can go directly to the local life on the homepage of the Discovery Wonderful APP to see what merchants are nearby that cooperate with Guangfa. Go and make a few purchases every now and then. Updates will be posted on Friday. Don't miss it because it's half price. There are many Guangfa cards that are subject to risk control. Most of them often swipe their cards at POS machines. This requires changing the payment method. It is best to scan the code to pay. It is more stable than the POS machine and will not skip the code. The amount of card swiping should be a combination of large and small amounts, with more small amounts and occasionally a few large amounts. The consumption amount should match the type of merchant.

：

Credit card repayment methods

1. Installment repayment. After the bill comes out, you can repay the current bill in installments. Generally, it can be divided into 3/6/9/12/18/24 installments. This method is relatively less stressful, but it does require a certain amount of responsibility. installment handling fee.

2. Full repayment. When the bill comes out, pay it off in one lump sum. This is the best repayment method, but the funds required are also quite large. If the bill amount is 100,000, then 100,000 funds are needed to pay it back.

3. Minimum repayment amount. Every bank will give you a minimum repayment amount (10% of the current bill) when issuing a bill. This method is also the least cost-effective repayment method. If the bill amount is large, high interest fees will be paid. The minimum repayment means spending more money to ensure your credit score, but it will only cost you a little more interest.