Many cardholders also said that in the process of using credit cards, they often receive risky credit card text messages from banks. Sometimes the bank will reduce the limit and block the card, and sometimes it needs to be cancelled. Replace the card with a new one.

So how do banks generally judge whether there are potential risks in credit cards? The bank clerk said that it mainly depends on these two numbers.

1. Online transaction monitoring

Overall, China’s current credit system is not perfect enough. Merchants and individuals will indeed encounter corresponding risks when using the system. Therefore, banks In order to ensure the safety of funds and the interests of cardholders, credit card risk control will be carried out.

Using network transaction monitoring to identify credit card risks generally refers to banks using computer monitoring and operations to collect cardholders’ relevant education, age, debt, work and other information, and to check whether cardholders have applied for credit cards at the bank. The time, amount, location, number of transactions and other specific behaviors at the time are used, and then the relevant risk formula is used to refer to the weight. If the cardholder's weight is abnormal, the bank will discover the credit card, thus avoiding the occurrence of fake credit card transactions.

2. Comparative check of risk data

Since banks are only financial institutions and have no right to intervene too much in the consumption behavior of merchants and individuals, many times, banks discover which credit card transactions There are risks in trading, which means comparing and checking the risk data. For example, refer to previous credit card risk cases, or see whether the merchant itself is normal, whether the cardholder's credit card is abnormal, etc., and compare it through a series of data.

In this case, bank staff will generally call you to confirm, or help you block the card to reduce the loss of property on the card. If your credit card is at risk, it is very likely to endanger your property security. You can cancel or replace your credit card according to the bank staff's advice.

If you think this is too troublesome, you can also change the credit card consumption password and then limit the consumption amount to protect your property.