Does CITIC Credit Card always reduce risk control? Are you really not capable of these evasive operations?

CITIC is a bank that Xiaoyi and card friends both love and hate. We have always maintained CITIC as a financing card,

not as a credit card that can be used to increase the limit. For cards with a fixed limit, this is what we have been emphasizing. The card maintenance must be targeted according to the different banks.

Just like CITIC Bank, the card maintenance limit increase is really suitable for most cards. It is not easy for cardholders. It takes a long time just to swipe the card.

Many cardholders cannot wait because they are impatient. Xiaoyi still says that not many cardholders can do this. Have hard qualifications,

If you don’t have such qualifications and don’t want to waste time, then there really is no good way. This is a fair and unfair world,

CITIC's temporary quota is also helpful to increase the fixed quota. If you have a temporary quota, you must use it, but you can't use it too much, leaving a little balance.

Then CITIC often uses it but cannot raise the limit, so it may have been risk controlled. At this time, it is like a dark room of China Merchants Bank.

Use more good credit cards. Try not to cash out too much, and control your debt ratio and the number of cards you hold.

No matter which credit card we use, we try to find some problems beforehand. We cannot wait until the problems are eliminated before we deal with them. ,

Today, Xiaoyi summarized several points for cardholders on how to avoid CITIC Bank’s risk control:

1. If the credit card swipe shows that the amount exceeds the limit, it means that it has been risk controlled. This It is CITIC's risk control operation for individual cards, so it can only be used for real consumption of large supermarkets.

2. Strict risk control will be carried out if the limit exceeds 200,000. This is unlikely because many cardholders basically do not have this limit.

3. If there is no date for the temporary limit That is the installment, and the time will only be displayed after the payment is completed.

Nothing is displayed, and the bill installments are not working, so I am in a dark room. The use of large loans from Yuanmengjin and New Express is the culprit.

4. You cannot call customer service to change the information randomly. When you change the set of information when you download the card and apply for the second card, you will immediately enter the dark room.

You can only stay silent for a few months. The performance of getting out of the black house is that you can pay in installments, have dream funds, and long-term and short-term loans, but they are all within the limit.

5. When there is no installment and no temporary credit is available, then you are entering a dark room. After you get out of the dark room, it is best to make small installments and pay utility bills. If you don’t even have installments, then Good card swiping,

6. Most people who enter the dark room have a debt ratio of at least 80 or 90. Banks use risk control, pay attention to card usage habits, reduce debt ratios, and reduce the number of cards to be sold. The debt on the low-limit Cai Ka card has been reduced.

7. There is also the black house that you enter because of the minimum repayment. You can make multiple small amounts, a few hundred yuan, and large amounts of several thousand, and you can get out of the black house in about two months.

I will share it here today. If you also have confusion and questions about the use of credit cards, you can also send me a private message about your situation, and Xiaoyi will help you analyze and solve it.

Learn more For credit cards, application methods, limit raising techniques, POS machine knowledge, financial technology and information, you can leave me a message in the comment area below, or you can come to Yisheng Card Club to communicate with Xiaoyi for consultation!