How to remove the risk control of credit card?

The only way to crack the risk control is to avoid large-sum and intraday trading as much as possible.

Risk control is to control risks, eliminate or reduce the possibility of risk events, or reduce the losses caused by risk events.

Bank card risk control, basically as long as you use more and brush more, almost everyone has experienced it.

Debit card risk control, known cases are China Merchants Bank, Shanghai Pudong Development Bank and Xingye. Most of them are triggered by anti-XQ warning, which leads to restrictions on non-counter (non-counter transactions), and some of them will directly return cards. Once this kind of risk control is triggered, it will be very troublesome to unseal, and even many bank debit card risk control will even lead to the closure of credit cards. The most typical one is China Merchants Bank. China Merchants Bank's credit card risk control is extremely low. It basically doesn't matter how you brush it. It is nothing more than entering the so-called darkroom (no temporary quota, no staging); However, the risk control of debit cards is extremely strict, and it is easy to be blocked because of anti-XQ risk control, which in turn leads to the closure of credit cards.

Recently, cases of blocking cards by Agricultural Bank of China are common, with frozen funds ranging from tens of thousands to tens of millions. Some people have even been frozen seven times. Most of the frozen accounts are in developed foreign trade areas such as Guangzhou, Shenzhen, Yiwu and Quanzhou, and most of the frozen accounts are committed by people from different places. Thawing time and conditions are different. Some people thaw after three days of freezing and then freeze for half a year. Some people were frozen last year and have not been unsealed yet. Some people are required to pay a freeze of 15% to unfreeze. Some people are required to "pay administrative fines" at the freezing place first. This punishment is as high as 30% in some places.

Credit card risk control has a much lower threshold for triggering. Pickpockets in the middle of the night, overseas purchases in buy buy and short-term consumption in different places will all be greeted by bank text messages or telephone calls.

When the babies are addicted to buying in buy buy, they will feel very unhappy when they are suddenly interrupted by the wind control phone. However, sometimes, this kind of "trouble" will also bring security to your account.

The purpose of risk control is to protect banks. When everyone applies for a credit card, the probability of not paying it back in the future is different.

Xiao Ming has a high total income and good credit in the past, and there is a high probability of continuing to repay on time in the future. But if he pays back on time every time, how can banks make money?

Xiaohe has a low income and relies on credit cards for a long time. What should he do if the bank does not breach the contract after issuing the card?

The risk control department should not only consider the credit to them, but also consider how much credit to give them, how long to adjust the credit, and monitor the use and repayment of cardholders.

Credit card risk control, the more classic is Pudong's so-called five-level SMS (SMS is different now, the essence has not changed, from the first level of "warm reminder" to the last level of early warning, directly shielding). Others include the risk control system adopted by Bank of Communications from HSBC, the clearing of CITIC in the past two years, and the 500 Party (8 yuan Party) of Guangfa, etc.

In the past two years, in addition to the above-mentioned common banks with strict risk control, a number of banks have also issued risk control short messages, including ICBC, BOC, Xingye, Huaxia and other banks with low risk control. For example, Xingye, which has low risk control, sent such a news of the downgrade.