On the one hand, spending abroad can show the strength of cardholders, on the other hand, it can make banks earn a lot of fees by swiping cards abroad, because the rate of foreign currency swiping cards is at least 2%, at least three times that of domestic POS swiping cards. In other words, consumption abroad can spend three or more in China, so banks attach great importance to consumption abroad, which will be of great help to improve the comprehensive score of cardholders. Cardholders who often spend money abroad are more likely to get the opportunity to withdraw cash from the bank.

Credit card usage report can be obtained in real time through the credit card evaluation in WeChat official account, and the cardholder's credit card can be deeply analyzed from multiple dimensions, including credit card risk score, overdue record history, consumption preference, credit card merchant analysis, consumption abroad analysis, credit card increase/decrease/card closure analysis, etc. Cardholders can use this information to judge whether they have entered the blacklist.