Everyone should encounter this situation when using a credit card. After swiping the credit card, the bank immediately called and asked: You just spent xx amount with your credit card. Was it you who spent it yourself? And you just have to answer yes. Then there are no other questions.

Why did you receive a call from the bank? Does this situation mean that I have been targeted by the bank? Is your credit card subject to risk control? I will talk about this topic with everyone when I play cards in Xiaonian.

Under what circumstances would the bank make this call?

Under normal circumstances, only when you make a large purchase, usually more than 10,000 yuan (of course, there are also many cases where there are thousands more), especially in the late stage, there are no large purchases. If you suddenly make a large purchase, the bank will call you to confirm whether it is for you.

From the bank's point of view, they are worried that your credit card will be stolen, so they call me to confirm. If it is stolen, it will be frozen immediately. Make sure it's your own consumption.

First of all, receiving this call does not mean that your credit card is under risk control, so don’t worry about this. As long as you receive such a call, just answer yes and there is no need to say anything else. And the bank only asks you if you are spending it for yourself.

However, it does not mean that you are risk-controlled, and it does not mean that your operation is very good. As mentioned above, under normal circumstances, large-amount consumption, or there is no such consumption record before, sudden large-amount consumption can easily trigger the bank's risk control system.

Under normal circumstances, it is not recommended that you spend more than 15,000 in a single transaction. Secondly, in our daily credit card swiping process, we must also do a good job in allocating small, medium, and large amounts of consumption. It cannot be all large amounts of consumption, and it cannot be all small amount of consumption. This reflects our own consumption ability in our past records, and it is normal to make larger purchases occasionally.

However, in the process of raising a card, everyone operates in a different way. What Xiaonian Wanka recommends is to be stricter in risk control and not spend more than 15,000 in a single transaction. When Xiaonian Wanka operates the credit card by himself, a single transaction rarely exceeds 10,000.

There is another way that the bank is likely to call you, that is, if you swipe the card with insufficient balance, you continue to swipe the card, but the balance is insufficient; or if you continue to swipe the card with incorrect passwords. Here Xiaonian’s gameplay recommends that you don’t brush continuously if you encounter such a situation. Generally, if you enter the wrong password, you will not swipe immediately. If the balance of the swipe card is insufficient, you will not swipe immediately.

In short, it is better for us to conduct strict risk control during the card maintenance process. Avoid what can be avoided. In this way, it can be used longer and safer.