If you want to increase the limit of your credit card without risk control or card suspension, then the user must use the card in a standardized manner. If the user's card is suspended, the user's funds will be even tighter, so under what circumstances will the bank deactivate the credit card? Well, let’s take a look at it below.

1. The credit card is overdue. Credit card is a tool provided by the credit card application platform to allow qualified cardholders to make overdraft purchases in advance. Cardholders can use credit cards to make purchases first and then repay, but there are always cardholders who are overdue due to various reasons. You should know that if a cardholder has an overdue behavior while using a credit card, the bank is likely to take risk control measures on the cardholder's credit card in order to avoid lending risks. At this time, everyone's credit card will be frozen.

2. Irregular card use behavior. The banking system will track the cardholder's card swiping time, amount, consumption type and other aspects from time to time. If the cardholder is found to have abnormal transactions, such as transactions during abnormal transaction hours, or transactions within a short period of time, If there are multiple large transactions, in order to protect the cardholder's property safety, the bank will also temporarily freeze the cardholder's credit card. In addition, if the amount of the card swiped does not match the merchant type, or there are multiple large transactions in a short period of time, the bank may suspect that the cardholder is engaging in cash-out behavior, and cash-out is prohibited by the bank. Once the bank detects that the cardholder has If a person is suspected of cashing out, risk control measures will be taken on his or her credit card and the credit card account will be frozen.

3. Transaction risk. When a cardholder uses a credit card, if there is an abnormal transaction, the bank will feel that the cardholder is at risk. In this case, the bank will take corresponding countermeasures based on the specific situation, such as freezing the credit card.