In the following cases, the Credit Card Risk Department may intervene and start the risk procedure:

The credit card is maliciously overdrawn and not repaid;

The cardholder lied that he did not receive the goods;

Report the loss first, and then use a large number of loss reporting cards in a very short time;

Using credit card overdraft to issue usury and other investment behaviors;

Good credit is the fundamental guarantee of market order and the important soul of credit card business development. On the one hand, banks pay attention to credit, on the other hand, cardholders are required to pay attention to credit. But do thousands of citizens who apply for credit cards from banks have credit? There is a lack of a good social credit system in society, and there is no similar consulting institution to control personal credit status for banks to choose from. In the process of developing cardholders, banks can only consult the applicant's unit and police station according to the documents, but the unit where the impostor works and the police station of the public security organ do not know much about the personal credit status. Under such circumstances, the issuing bank must be blind in the process of issuing cards, thus giving people with ulterior motives an opportunity.