High-risk customers of banks are high-risk customers, which refer to customers who use cards in the process of post-loan management, such as cashing out and reversing cards.

Some banks will require cardholders to "do it by stages, otherwise the amount will be reduced", or even directly reduce the amount of cards. Credit card risk control measures have been gradually upgraded, and Internet financial products such as JD.COM White Strips, Ant Flower Blossoms and Lending Treasures have been gradually connected to the central bank's credit information system.

In addition to the risk control measures based on the central bank's credit information system, banks began to introduce third-party credit information data such as P2P online loans as an auxiliary means to prevent the risk of long-term lending.

Bank card holders have reflected this situation, but it is not a widespread phenomenon. The main reason is that credit cards are used less frequently or are suspected to be "high-risk" people.

Extended data:

The risk control strategy of credit card center is mostly "data-driven risk control". Banks introduce third-party data from the external internet and increase the data sources of risk control models and rules based on external data, but it will not change the risk control system with the central bank's credit reporting as the core.

Banks strengthen cooperation with transportation parties such as BATJ. In this kind of cooperation, data exchange is often carried out, forming a "flow+data" cooperation model, but the core demand of banks is flow. Another trend is that Internet finance companies such as BATJ are seeking credit information docking with the central bank, and the coverage of the credit information system will become wider and wider, which will help banks establish a risk control system with credit information as the core.

Some credit data of Internet finance, such as the credit data of JD.COM Baitiao, are shown as loans of small loan platforms. Traditionally, the interest rate of small loans is high, and the credit report will not show the interest rate level of the loan and other information. This part of customers may be considered as high risk by some banks. To solve this problem, "it depends on the fineness of future credit reporting."

Phoenix. Com- bank card suddenly blocked? People who have had these operations should be careful, you are already a "high-risk" group!