1, there are many credit cards in large supermarkets.
This is very important, especially for new cardholders, spending money by swiping the card in a large supermarket can completely prove that they are using the card normally.
2. Increase the number of swipes.
After each repayment of credit card, don't brush it all in two or three times, which is easy to be considered as cash withdrawal. Once it is recognized as cash, the credit card will be reduced or permanently frozen.
3. Pay attention to the credit card amount of each issue.
Although more credit cards can make the card active, we should pay attention to the credit card limit in each period, and try to use 70% of the credit card limit, neither too much nor too little.
4. You can recover after communicating with the bank.
Credit cards show that risky transactions may be caused by the following reasons:
1. This account is risky. For example, if you change your mobile phone number and log in to an online bank, or a large transaction suddenly occurs, or a transaction occurs in a different place, especially if you often spend money at home and there is no record of spending abroad, the bank will send a text message to remind you of the transaction risk, and some banks will directly contact the card friends to confirm whether to take action.
2. Credit card merchants are at risk. The standard rate of POS card swiping is 0.6%. Because the handling fee is borne by the merchants, many merchants will use POS machines with lower rates from third-party payment institutions, and it is easy to skip codes at this time. This situation may also cause the bank to suspect that the cardholder uses the card illegally, thus sending a risk transaction short message.
3. swipe your card during abnormal business hours. The normal business hours of merchants are from 8 am to 9 pm, not later than 10 pm, except for 24-hour convenience stores and hotels. If cardholders use credit cards outside this time period, such as swiping jewelry stores in the middle of the night, they will also face the risks of banks, trading tips.
legal ground
Measures for the supervision and administration of credit card business of commercial banks
Article 52 A card-issuing bank shall establish a risk management system for credit card business. When the issuing bank learns from the public security organs, judicial organs, cardholders themselves, relatives, transaction monitoring or other channels that cardholders have risk information such as stolen identity documents, deteriorating family financial status, declining repayment ability, invalid reserved contact information, deteriorating credit status, abnormal card use behavior, etc., it should immediately stop operations that may expand credit risk, such as increasing credit limit, authorizing card service exceeding credit limit, and authorizing business by stages, and take measures such as improving transaction monitoring and reducing credit limit.