I have been teaching you how to increase the limit of your credit card and how to apply for a better credit card, etc., but I have never said which card payment methods are easiest to reduce the limit. Here is a summary of the easiest ways to block the card and reduce the limit. credit card rankings.

Currently, Bank of Communications is recognized as the bank with the strictest risk control. Users who have applied for a Bank of Communications credit card should know better. It feels very helpless to be risk-controlled by the bank if you are not careful, and Bank of Communications will have stricter risk control when it comes to credit card transactions with higher credit limits. If you are a new user of Bank of Communications credit card and make large purchases as soon as you apply for the credit card, then the chance of you being risk-controlled by the bank is very high.

First place: Bank of Communications

Bank of Communications has always been known as the "iron rooster" among banks. It is difficult to raise credit limit, and sometimes it will inexplicably prompt abnormal consumption. Bank of Communications's risk control has always been the most stringent among all banks. Bank of Communications will send you text messages about derating at every turn, so be sure not to use POS machines and credit card software with low rates, otherwise you will receive text messages about derating from Bank of Communications. Some cardholders said that after swiping their card after a meal, the bank sent me a text message to reduce my credit limit to 2,000, saying that I was spending abnormally. Take a look at what netizens think.

Second place: Industrial and Commercial Bank of China

Industrial and Commercial Bank of China is very similar to China Merchants Bank. The amount increase depends entirely on mood, but the risk control is much stricter than that of China Merchants Bank. It is best not to exceed the limit on ICBC cards. It is very dangerous to use ICBC credit cards beyond the limit.

Third place: China CITIC Bank

Some people say that CITIC is the second largest risk control player after Bank of Communications and likes to reduce the credit limit without warning. Many people say that CITIC's first transaction is normal, and the second transaction begins to control risks. There is also a more tortuous routine: for someone's CITIC card, the first repayment can be credited normally, the second repayment is reduced by 25%, the third repayment can be credited normally, and the fourth repayment is fine again. Derated by 20%. This scheme of CITIC is so profound that people no longer dare to repay their loans.

Fourth place: Ping An Bank

In other words, the original credit limit of 26,000 yuan was reduced to 16,000 yuan. She believed that after Ping An Bank reduced the credit card limit, it did not make any effective notification and could not give a convincing reason. It just said that the system detected risks in the credit card, which was too casual.

Fifth place: Shanghai Pudong Development Bank

One cardholder’s method of reducing the balance was so funny that he sent a text message prompting him to reduce the balance the same day he just applied for the bill installment. It may be that he cashed out a large amount and then applied for installments. Under normal circumstances, there will be no reduction in installments.

From the perspective of cardholders, unless the financial strength is very strong, the possibility that ordinary users often make large purchases of tens of thousands is very small. Secondly, credit card accounts that have been depleted of credit limit every month for a long time are also easily noticed by banks. In addition, due to the high-risk POS consumption record of the card, such accounts will almost always be classified as high-risk accounts by banks. Friends who are trying to cash out, for the sake of your good credit record and smooth borrowing in the future, I hope you can use your card safely and stay away from cash out.

Therefore, if we want to avoid being targeted by risk control when using credit cards, we should try not to use the same POS machine for large purchases to avoid being misunderstood as "cash out" by the bank. I suggest you here that if you really need to spend a large amount of money, it is best not to max out your credit card at one time. It is best to control it at 70% of the credit card limit, and the consumption amount is best not to be an integer.

In addition, after a large purchase, you can make several small purchases. Especially for users who have just opened a card, it is better to go to a large supermarket to make a few small transactions first. This is also a normal use for you. A proof of the card.

Another way is to make installment payments. From the perspective of benefits, banks encourage users to make installment payments. If you make installment payments occasionally, the bank will "trust" you more!