1. The risk control of commercial banks is stricter than the credit cards of the four major banks. Because there are many businesses in the four major banks, credit cards are not the main business. So relatively speaking, risk control will be more relaxed. We have heard that the most frequent card closures are commercial banks, among which Ping An Bank, Guangfa Bank, China Merchants Bank and Shanghai Pudong Development Bank have the strictest risk control. The main manifestations of strict risk control are: not increasing the quota for a long time, often receiving short messages from risk control, reducing the number of cards and so on.
2. In the process of using credit cards, the credit cards of the four major banks are rarely controlled by the wind. It is rare to hear from card friends that the credit cards of their four major banks have been downgraded. What I heard most was that the credit cards of commercial banks were controlled by the wind, and then the cards were reduced. You can swipe four credit cards at will, without worrying about the posture of swiping. The amount doesn't matter, as long as the credit card is not overdue, there is no overdue record on the credit report. Then it is not controlled by the wind. Among commercial banks, the risk control of Everbright, CITIC, Minsheng, Huaxia and Postal Savings is relatively loose. Mainly, the credit card withdrawals of these banks are also relatively slow. So there is less natural risk control. If it is other banks, it will be different. For example, China Merchants' risk control system and Guangfa's risk control system are very strict. The risk control of China Merchants and Guangfa is mainly reflected in merchants. For example, the gobbledygook merchants that attract investment are all standard, but they will not give extra points to attract investment. The same is true of Guangfa. When you swipe your card frequently, you will be prompted that some merchants cannot trade. In fact, it is to limit the merchants who swipe their cards. If this happens frequently, credit cards will definitely be controlled by the wind.
There is no doubt that the credit cards of the four major banks are the most "tolerant". Then commercial banks like China Everbright Bank are also very tolerant. After that, the risk control is relatively loose and it is not easy to raise the amount. For example, Huaxia, Postal Savings, CITIC and Minsheng. Although it is difficult to raise the amount, it is not easy to reduce the amount and seal the card.
4. Finally, to sum up: the banks with lax risk control are: the four major banks and commercial banks, China Everbright Bank, China CITIC Bank, Minsheng Bank, Huaxia Bank and Postal Savings Bank. The reason why the risk control is not strict is because the quota is difficult to mention. On the contrary, some banks with faster withdrawals will have strict risk control.