The credit card was sealed because he did it.

At the end of each year, banks will increase their risk control, and various kinds of audits will be closed. The risk control will become "insane control". Many card friends are worried that they are being controlled by the bank. For the sudden closure, everyone feels inexplicable. The following small series tells you which cardholders are vulnerable to the card.

Many credit card users will probably pay attention to the various points activities and credit card rewards activities launched by banks. Most of them are a routine. To sum up, it is more brushes and more brushes. The more you brush, the more reward you get. Colleague Xiao He has encountered such a thing.

Xiao He participated in the “End of the Year Brushing” event officially launched by a certain bank. According to the activity requirements: 5 times a week, a total of 8 weeks, you can get a prize of 2,590 yuan. Unexpectedly, I didn’t wait for the prize, but I was told by the Bank of Communications that the card was too frequent, I was suspected of cashing out, the credit card was frozen, and more than 70,000 points in the card were also cleared. I heard this news instantly and it was not an official event. Why, how to seal it? After research, I found out that it was not the number of card swiping, the culprit was actually suspected of cashing.

On the one hand, banks encourage us to swipe more cards, but on the other hand we suspect that we can cash out, so which transactions are easily defined by banks as having cash in doubt?

1. Swipe merchants

Public welfare, personal mobile POS, real estate, steel trade, these categories of frequent large-value transactions, belong to the bank's key risk control industry.

2, concentrated large transactions

Low-frequency trading cards, suddenly one or more concentrated large-value transactions, the chances of you being verified by the bank's customer service will increase geometrically.

3, the card amount is large and is an integer

With more than 5,000 credit card transactions, and all of them are integer consumption, such as 10,000, 20,000, 50,000, etc., the possibility that you are being stared by the bank will increase by an integer.

4, the card interval is short

Within 2 hours, there are multiple transactions across provinces and cities. If your card is not stolen, there is indeed a suspicion of cash.

5, brush all the credits

If the quota is tens of thousands, one brush completes the empty card, which is likely to cause bank suspicion.

6, non-business hours to swipe the card (generally after 8 o'clock in the morning before 8 o'clock in the morning)

Frequent credit card spending in the latter half of the night, the system will also consider the transaction at risk.

7, one-time repayment and one-time brush out

Especially in the due date of repayment, I went in and then brushed it out once. This is a big taboo.

Xiao Bian reminds everyone: Come out and get back sooner or later, "Flowers that can't be earned next year, round the vanity and ridiculous dreams of today", this kind of practice is really not desirable, learn to manage money, let money make money is the correct value, Today's bit of investment and financial management is a capital river for your future advancement.