We all know that banks have a risk control system. If a credit card is not used well and this risk control point is touched, the limit may be reduced or the card may be blocked. The four banks with the strictest risk control are said to be Bank of Communications, Minsheng Bank, and Ping An Bank. Cardholders of these four banks should be careful when using their cards. However, since there is a bank with the strictest risk control, there is also a bank with the loosest risk control. Guess which one it is? This naturally has to be China Merchants Bank. Although China Merchants Bank’s risk control is relatively strict, compared with most banks, China Merchants Bank’s risk control points are relatively high, and they are not as direct as other banks. It can be said that China Merchants Bank’s risk control is It depends on the amount. One depends on your contribution. Generally, when the credit card limit is not high, banks definitely want you to spend more, so for cardholders with a limit of about 10,000 yuan, they generally will not take risk control. But when the cardholder's limit reaches a certain level, for example, the credit card limit exceeds 30,000 yuan, risk control measures may be taken against you. However, as long as you don't go too far, China Merchants Bank will still turn a blind eye to you, especially for cardholders who often contribute in installments, China Merchants Bank basically has no risk control. But if you go too far, you will be arrested and locked up in a small dark room or a big dark room.

In addition to the loosest risk control, the most attractive thing about China Merchants Bank is that it is easier to increase the quota. Generally, as long as the card has been used continuously for 3 months without maxing out or minimum repayment, the temporary limit can be used. In addition, it is very simple to increase the fixed limit. Cash installment and bill installment can help you increase the limit. Generally, after installment, 5-10 small purchases are made, and the fixed amount can be adjusted in about 2 months. All in all, China Merchants Credit Card has low threshold, loose risk control, and fast credit limit increase. Friends who are applying for a card for the first time may wish to start with this bank.