1. POS machine selection: It is common for us card friends to use POS machines, but we must pay attention to the selection and use of POS. Do not make multiple purchases on the same POS machine, so that the billing location is the same, and the traces of cashing out will be obvious. Don’t choose coding and hopping machines either. If you apply for POS with your own business license at the bank, you should be careful when using it. It is best not to use it, because the merchant name is fixed. Frequently spending money at the same merchant will definitely be problematic in the eyes of the bank.

2. Swipe the card: Each time you swipe the card, try to simulate real consumption. The consumption amount should not be an integer. The amount of each transaction should not exceed 5,000. The monthly usage limit should not exceed 8% of the total limit. ten. If you need to pay a large amount in a timely manner, you have to do it in multiple transactions over several days.

3. Repayment: Do not withdraw large amounts of cash and make frequent repayments

Minimum repayment amount

Instead, withdraw small amounts of cash infrequently and occasionally repay in installments. The money makes the bank profitable but does not show that our funds are often in trouble. Overdue payment is also a relatively big impact. Be optimistic about your credit card and repay it in advance.

4. Long-term short-term arbitrage: long-term emptying of credit cards, repayment on the repayment date and then repayment, often maxed out. The bank's system will definitely target you, and you will be on their cash-out list.

5. Apply for a card without going through an intermediary: Non-compliant intermediaries will usually falsely package your information to achieve quick application. As long as the bank discovers fraud, it will definitely block the card.

6. Theft: In order to protect the safety of our funds, the bank will take freezing measures when it detects that our credit card is at risk of being stolen. When we find out, we can also call to freeze it in time. Protect your own funds.

7. Major personal or company problems: For example, when LeTV was deeply in debt last year, the bank reduced the credit card limit of LeTV employees to one yuan.

If there is evidence that it is not us who cash out, but there is a problem with the merchant's POS machine, the credit card center may also unblock it. Therefore, when we usually make purchases, we try to keep receipts of good purchases. At this time, we can provide them to the bank as our own evidence.

If the card is stolen, you must contact the bank as soon as possible and apply for freezing. Then the card-issuing bank will help cancel the customer's card and issue a new card for us. At the same time, check whether the funds have been cleared from the card-issuing bank. Go out, if not, it will be intercepted.

If you are mistakenly injured by the bank, it is recommended to contact the bank’s customer service as soon as possible, submit relevant proof of normal consumption and explanation of the situation, and unfreeze your credit card as soon as possible.

Reference materials:

Baidu Encyclopedia entry

Credit card_