Overdue repayment is one of the most intolerable behaviors of banks. Once the cardholder has a record of overdue repayment, it will immediately appear on the bank's risk control list. Usually you need to pay attention to swiping your card. Whether the credit card limit is always an integer value, or the merchant always has a low rate, or the same merchant frequently appears in the bill, it will touch the sensitive nerves of the bank. Everyone must be careful.
It is illegal to cash a credit card. Not only are banks not allowed to cash out, but also the law does not allow it. Therefore, many small partners are lucky enough to cash out. Once suspected of cashing out by the banking system, it will immediately enter the bank blacklist. In addition, the frequent use of the minimum repayment amount is undoubtedly due to the limited financial ability of the cardholder at present, and it is impossible to repay it all. For banks, this is a high-risk overdue. Therefore, in order to ensure the safety of their own funds, cardholders will be closely monitored.
After finding out the main reason for the credit card being controlled by the wind, try to avoid this situation from happening again. During this period, you can make large consumption by stages. At present, installment payment is an effective measure for some banks to mitigate risk control. In addition, it can only be solved by good credit card consumption behavior. Usually, the good consumption behavior of about half a year will be automatically released by the wind control system. If the bank continues to be sensitive to the wind again, it will decide what measures to take, from reducing the quota to directly sealing the card. Especially in some commercial banks, the internal control is very strict, so you'd better not challenge it easily.
After the credit card application is successful, everything will not get better. You need to keep good card use behavior, otherwise the limit will still be recovered by the bank.