Many cardholders know that improper use of credit cards will trigger the bank’s risk control. Some will even receive reminder text messages from the bank, while a few will be directly reduced or blocked by the bank.

There are also some friends who have abnormal transactions but nothing happened. They feel lucky that the bank's risk control system is not sensitive. But in fact, we must understand the behaviors that trigger the bank's risk control system and understand how the bank detects us. Only in this way can we deliberately avoid some violations and prevent serious consequences.

So what kind of abnormal transactions can cause this kind of consequences?

Usually transaction anomalies refer to the bank detecting that you have made inappropriate credit card transactions at inappropriate times and inappropriate places.

Although banks undergo strict review when issuing credit cards, this does not mean that banks have enough trust in each user. When we use credit cards, we are still being monitored by banks. If the bank feels that your card use behavior is risky, it will take risk control measures to protect its own interests.

Generally, you will receive a risk control reminder after a large-amount transaction or a large-amount consecutive failed transaction. Some banks may require you to provide consumption credentials such as invoices, so we must do this before each large-amount transaction. Only by thinking of countermeasures can you correctly handle such emergencies.

How do banks determine risk control?

According to regulatory requirements, each bank has a large-amount monitoring system and regularly reports data to the Anti-Money Laundering Data Monitoring Center of the People's Bank of China. It mainly relies on these two points:

01 Online transaction monitoring

Credit card is a product after the emergence of the credit system, which is mainly processed based on personal credit.

However, the current credit system is not perfect enough, and merchants and individuals will encounter certain risks when using it. Therefore, in order to ensure the safety of funds and the interests of cardholders, banks will monitor credit cards.

This requires the use of an online transaction monitoring system, which stores the relevant information of the cardholder, as well as the location, finance, time and other behavior records of the cardholder when swiping the card.

The system uses relevant risk formulas to calculate the reference weight. If the weight calculated by the machine is abnormal, the system will notify the bank, thereby determining that you have hidden risks and issue a warning to the card.

02 Risk Data Comparison and Investigation

The bank is a financial institution and has no right to interfere with the consumption behavior of cardholders. Many times, banks discover that there are risks in credit card transactions through comparison and investigation of risk data.

For example, if your credit card often makes fixed purchases in a certain city in China, and the card is swiped normally in the morning and morning, but suddenly there is a large transaction in another city in the afternoon, then the bank will suspect you. Your credit card has been stolen or you have engaged in tx behavior.

After comparing the relevant data, the bank believes that the card is at risk of being stolen. It will call you to confirm whether it is for your own consumption, and may directly block the credit card in order to reduce the cardholder's property losses. Lose.

The bank's large-amount monitoring system will automatically identify abnormal transaction behavior, and cardholders should consume rationally and conduct more real transactions instead of There is any card swiping behavior that violates bank regulations.

Otherwise, once discovered, the credit will be reduced at best, or the card will be blocked at worst.

If the card is used normally but is mistaken by the bank as abnormal, resulting in the card being blocked, you should explain the situation to the bank and request to be unblocked to safeguard your legitimate rights and interests.