Since February 20 18+ 1 year, the National People's Congress and the judicial interpretation of the National People's Congress on regulating the credit card management order have been implemented, banks have intensified their risk control. Many card users were caught off guard by a wave of card closures, so they began to use their cards carefully, fearing that they would be the next one to be controlled by the wind. As we all know, bank risk control will monitor the location of credit card, so if you swipe your card in different places, will it be controlled by the wind? On this issue, I sorted out some card friends' replies and thought what I said was reasonable.

Some card friends said that credit cards should not be used in different places, as long as they are real consumption. Banks don't stipulate that credit cards can only be used locally. Is it difficult for people to go out of the province? In addition, many people work all over the country. As long as it is not a large cash, banks generally don't pay too much attention to it. However, it is best to keep the receipt when spending by credit card. In case it is really risk control, you can also take out the receipt as evidence to ask the bank to lift the risk control.

Some card friends directly said, why is it controlled by the wind? Don't even think about it. Can't you apply for a credit card or even travel far? What logic? Can I only use cash for business trips all the year round? ! Then why do banks welcome overseas credit card spending? This is not a contradiction! !

Judging from the replies of these netizens, it is obvious that credit cards can be spent in different places. As long as it is normally used for credit card consumption and there is no illegal withdrawal, it is generally not subject to bank risk control. In fact, credit cards are risk-controlled, and in many cases it has little to do with the place where the card is swiped, mainly depending on whether the cardholder uses the card normally.

For example, the following situations are easily controlled by the wind:

1, the amount of frequent brushing is large, and more than 90% of the card amount is brushed for many times;

2. swipe your card many times during non-business hours, such as before 8 am and after 10 in the evening.

More than 3 transactions within 3.60 minutes;

4. Operate a card on the same POS machine within one day;

5, timing, machine, card, quota trading.