The best solution for credit card risk control is: the user proactively contacts the card-issuing bank to inquire about the reason for the credit card risk control; and then solves the problem under the guidance of customer service; when the problem is resolved, the user can apply for restoration The normal status of the card; after receiving the application, the issuing bank will re-examine the card. When the card meets the conditions for releasing the risk control, the card will be released from the risk control status.

Therefore, after a credit card is subject to risk control, users should proactively contact the bank instead of waiting for the bank to automatically lift the risk control.

The editor will first explain to you the circumstances under which credit cards are controlled by bank risks.

First, it used to be possible to apply for cash installment, but suddenly it was no longer possible to apply for it.

In the process of using a credit card, if the bank finds that you are using the card abnormally and the risk is high, it will usually reduce the limit of the credit card or even directly block the card. However, many banks will consider their customers and remind cardholders to use their credit cards appropriately by turning off some functions of their credit cards.

So many cardholders have this situation. They often use cash installments, but suddenly they can’t apply for it, or they usually have a temporary quota every month, but now they suddenly can’t apply for it. In this case, after half a minute of silence, you may have been included in the risk control customer list of the card-issuing bank.

Second, I suddenly received a risk reminder text message from the card-issuing bank.

Normally, the bank will send you a text message reminder for abnormal card use, or call you directly to remind you that there are risks in your credit card recently and please use the card properly.

If you receive this kind of text message or phone call, you should take it seriously, because your card use behavior has triggered the bank’s risk control system. If you continue to use your card in this way later, it will easily be reduced or blocked. Stuck. Therefore, bad card swiping behavior should be corrected promptly.

What should I do if my credit card is subject to risk control by the issuing bank?

For users who have had their cards reduced or blocked by the bank, calling the bank to explain will have no effect. They can only standardize the use of the card in the future, re-establish credit, and let the bank know. If you use the card normally, it will usually return to normal after 3 months. Here are four processing methods for you.

First: Do not engage in credit card arbitrage

Many risk-controlled credit cards have experienced serious arbitrage, causing the card issuer to assess that the funds are not safe and there are risks in using the card , in severe cases, the credit will be reduced or the card will be blocked. Therefore, cardholders should not engage in cash-out behavior and it is best to use their credit cards normally.

Second: Increase the number of card swipes per bill and reduce large purchases

Many cardholders’ monthly bills are basically 1-3 transactions, and the amount is large, 3 The entire limit was wiped out in one pen. This is a very bad card usage behavior. Credit cards are provided for cardholders to use for consumption. Try to use card transactions wherever credit cards can be swiped. This will increase the number of card swipes for each bill, and banks are very safe for small-amount transactions. of.

Third: Do not cause overdue and minimum repayments.

Repaying the bill on time and in full is the standard for increasing credit. If you really cannot repay in full, you can choose to pay part of the bill in installments, which can also provide a credit score. Many cardholders have a misunderstanding. For example, the 1st of every month is the last repayment day, so it’s okay if I repay a few days late. This is a very wrong behavior! Banks are different from private personal loans. They have complete system management. Overdue means overdue. Whether you are 1 day overdue or 7 days overdue, it will be recorded by the issuing bank. Although some short-term and small overdue loans are not listed in the People's Bank of China credit system, It is recorded at the card issuing bank, and your credit score with that bank will be lowered.

Fourth: Don’t swipe the card multiple times without knowing the balance of your credit card.

Many cardholders need to swipe 3,000 yuan when making purchases, but they don’t know. There is only 1,000 yuan left, so if you swipe 3,000 yuan and the transaction cannot be successful, ask the clerk to swipe 2,000 yuan. If the balance is still insufficient, just swipe another 1,500 yuan. It is easy for the bank's risk control system to mistakenly think that your credit card has been stolen. Therefore, the bank system will automatically freeze the credit card. When the cardholder submits proof to unblock the card, your consumption behavior has actually been recorded, and the system score will be reduced. Therefore, it is recommended that cardholders try to check through online banking before making purchases if they do not know their remaining balance.

If the credit card is frozen due to the above reasons, it is recommended that the cardholder keep the receipts from the time of consumption, and after paying off the balance, call the card-issuing bank to explain the situation and request to be unfrozen. In the future, use cards in a standardized manner and avoid overdue or cash-out behaviors.