Does the bank call suspect that credit card cashing will really affect the personal credit report?

Xiaobian reply:

First, will not be recorded in the credit report

1. The same card is periodically and heavily consumed in a fixed merchant, and the general bank will consider it to be suspected of cashing;

2, the bank suggests that you have a high probability of staging out of economic considerations: reduce the possibility of your subsequent continued cashing (scheduled occupation of the cycle amount), while earning a certain amount of installment fees;

3, the letter will not be marked bad (specifically overdue), but the characteristics of consumer behavior will be recorded, there are tips within six months.

Second, if you continue to be derated or blocked

This kind of behavior constitutes a malicious overdraft. If you continue, then you will be notified by phone to ask you to repay the overdraft limit one day before, then seal the card, will not send a letter, but will leave a blacklist at the issuing bank. It will be insulated from it later.

Third, such a card is easy to be depreciated by the bank "wind control", the card is possible!

If the credit card is used normally, it will generally not be subject to bank risk control. The so-called risk control is that the bank believes that some of your card use behaviors are illegal, there are risks such as large cash out, malicious overdraft, etc. In this case, the bank will deal with your card in a special way, including reducing Credit limit, direct sealing, and so on. Generally, people who raise the amount of the card are easily controlled by the bank. So, what should be avoided in the process of using credit cards and raising cards, so that they can not be controlled by the bank? Below, Xiaobian will do the inventory for everyone!

Let me talk about which types of people are easy to be the subject of risk control:

1. A person who uses a credit card to do business turnover

Small and micro-business owners, after receiving a credit card, it is easy to take credit cards for business turnover, such as credit card purchase, etc., usually in the wholesale, building materials and other pos machines on the card transactions, and mostly for large transactions, and such POS machines The transaction is not welcomed by the bank. If you use the card for a long time, it is easy to be controlled by the bank.

2, people who like to cash in with credit cards

There is an obvious abnormal credit card consumption, which will be considered as the current credit card set. Although the bank is blind to the current credit card set, it will be closed to the eye, but if the credit card is illegally cashed, it will be controlled by the bank, then deducted and stopped. Card processing.

3. People with overdue repayment records

People with bad credit records usually have records of overdue repayments. Such people are easily controlled by banks. Although you hold a credit card, the possibility of being controlled by the bank is very high. Eliminate bad credit records in order to eliminate the risk.

Swipe behavior that generally meets the following characteristics is easily alerted by the bank's risk control system, including:

1. A single credit card amount is more than 90% of the credit card amount or a direct credit card;

2, the card time is non-business hours, such as brushing large sums in the middle of the night;

3. Suddenly generated overseas credit card transactions, such as the same day, earlier in the domestic merchants to swipe the card, suddenly came a large overseas consumption, and then swiped in domestic merchants, easy to be controlled by the wind;

4. Multiple transactions in the same POS machine, such as trading more than 3 in 60 minutes, and the transaction amount is mostly an integer;

5, regular timing, fixed machine, fixed card, fixed transaction;

6. Conduct large transactions on low rates and capped POS machines;

7. Withdrawal of a single transaction, one card is operated on the same POS machine within one day;

8. POS terminal transactions listed as risk merchants by UnionPay and issuing banks, and so on.