When we use a credit card, we sometimes receive a text message from the bank, reminding us that there are risky transactions in our credit card. So, why does the credit card prompt that the risky transaction is abnormal? How to resolve it? Let’s go to the next step. Let’s find out more below!

Why does the credit card prompt that the risk transaction is abnormal?

1 Account is at risk

Change your mobile phone number to log in to online banking, or a big problem suddenly occurs. For large-amount transactions or transactions in other places, especially those usually consumed within the country, the bank will send text messages to remind you of the transaction risks, and some will even call directly to confirm whether it is the person doing the transaction.

2 There are risks for card swiping merchants

The POS machine for swiping cards is not a regular machine. If there is a code hopping phenomenon, such as when the card is swiped by a merchant in Shanghai, the bank will consider the cardholder to be in violation. Use card.

3 Abnormal consumption

The transaction amount is large, and it is a full amount. There have been several cases where the card has been swiped for a large amount in the past, and the credit card is always emptied; or Cards swiped in the early morning or middle of the night often make purchases during the merchant's unconventional business hours; or the merchant's customers who made this purchase have frequently swiped their cards there recently, so the card-issuing bank suspects that they are cashing out.

How to eliminate the risks of risky transactions prompted by credit cards?

1. Call the bank customer service immediately to communicate and learn the specific details of the risk control;

2. Go to the bank to appeal and request to lift the risk control

3. Increase the diversification of consumption scenarios, mostly in large supermarkets, supermarkets, and entertainment venues;

4. In addition to swiping the card directly, cardholders You can also pay online, scan QR codes to pay, etc. to diversify payment methods;

5. The consumption amount should be reasonable, do not make sudden large purchases, and the consumption amount should match the type of merchant;

6. Repay in full and on time, never overdue.

The above is an introduction to why credit cards prompt abnormal risky transactions and how to solve them. In daily life, we must use cards reasonably to avoid adverse situations.