Many credit card holders said that in the process of using their credit cards, they often received risky text messages from banks, and sometimes they were downgraded by banks, and sometimes they needed to replace their cards with new ones. So how do banks generally judge that credit cards have potential risks?

First: online transaction monitoring

Generally speaking, the credit system in China is still not perfect, and merchants and individuals will indeed encounter corresponding risks when using the system, so banks will conduct risk control on credit cards in order to ensure the safety of funds and the interests of cardholders.

Banks use online transaction monitoring to identify credit card risks. Generally, it means that banks use machines to monitor and operate, collect relevant information of credit card holders, such as education, age, debt, work, etc., and look at the specific behaviors of credit card holders, such as time, amount, location, number of transactions, etc., and then use the relevant risk formula to refer to the weight. If the cardholder's weight is abnormal, the credit card will be discovered by the bank, thus avoiding the situation of fraudulent use of the credit card.

second: comparative investigation of risk data

the bank is only a financial institution and has no right to interfere too much with the consumption behavior of merchants and individuals. Therefore, in many cases, the bank finds out which credit card transaction is risky and conducts comparative investigation of risk data. For example, refer to the previous credit card risk cases, or see whether the business itself is normal, and whether the cardholder's credit card is abnormal, etc. through a series of data comparison.

For example, if your credit card is often spent in China, and then one day your credit card is spent in China in the morning and evening, and a large-scale transaction suddenly appears abroad at noon, and it is also in a high-risk area of credit card transactions, such as some countries with high card theft in Southeast Asia, then banks will basically think that this credit card is risky.

in this case, the staff of the general bank will call you to confirm, or seal the card for you to reduce the property loss of the card. If your credit card is risky, it is likely to endanger your property safety. You can cancel the card and change it according to the advice of the bank staff.

if you think it's too much trouble, you can also change your credit card's spending password, and then limit your spending amount to protect your property.