So how do banks generally judge whether there are potential risks in credit cards? The bank clerk said that it mainly depends on these two figures.
First, online transaction monitoring.
On the whole, China's current credit system is not perfect, and businesses and individuals will indeed encounter corresponding risks when using this system. Therefore, banks will control the risk of credit cards to ensure the safety of funds and the interests of cardholders.
Using online transaction monitoring to identify credit card risks generally means that banks use computer monitoring and operation to collect cardholder's education, age, debt, work and other related information. , and check the specific behavior of the cardholder when handling the credit card in the bank, such as time, amount, place, transaction times, etc. , and then use the relevant risk formula to refer to the weight. If the cardholder's weight is abnormal, the bank will find the credit card, thus avoiding the occurrence of credit card fraud.
Second, compare and check risk data.
Because banks are only financial institutions, they have no right to interfere too much with the consumption behavior of merchants and individuals. Therefore, in many cases, banks find that there is a risk in a credit card transaction, which is to compare and check the risk data. For example, refer to previous credit card risk cases, or see whether the business itself is normal, whether the cardholder's credit card is abnormal, etc., and make a comparison through a series of data.
In this case, the general bank staff will call you to confirm or send you a card to reduce the property loss of the card. If your credit card is risky, it is very likely to endanger your property safety. You can cancel or replace your credit card according to the advice of the bank staff.
If you think this is too much trouble, you can also modify the consumption password of the credit card, and then limit the consumption amount to protect your property.