Usually, some cardholders will receive a call from the bank after swiping their card, asking whether the cardholder is spending money on their own. What are the credit card fees? In which city did you swipe your credit card? , 申請信用卡does this mean that your credit card is subject to the bank's risk control?

In fact, it is very common to change this development situation, and banking work can also control and avoid corporate risks by using this teaching method. Usually, the bank may call the cardholder for 信用卡申請verification under the following six circumstances:

1. Credit card security issues

The banking system may detect a security risk with the cardholder's credit card, fear it may be stolen, and call the cardholder to verify the transaction. If this is the case, cardholders should pay attention to whether the current network environment is safe and whether they have entered bank card information before. And you need to change your phone banking password, login password, payment password, etc. in a safe network environment in a timely manner.

2. The credit card was swiped to an unusual merchant

If you swipe at a merchant that has been reported multiple times, a merchant that has been transferred multiple times, or a merchant that has violated regulations multiple times, in order to prevent risks, the bank may call the cardholder to verify the transaction. This situation is generally a problem for some merchants, so you should pay attention to whether the current transaction scene is normal and be careful of being deceived.

3. Encountered Erqing POS machine

This situation generally happens to TX users. Many users use some POS machines without payment licenses in order to covet low rates. There have been many incidents in the past where the second-clearance POS machine failed to pay, which has harmed many merchants. Some merchants have even not received the amount of the card swiped at that time. However, in recent years, the Ministry of Supervision has stepped up its crackdown, and such incidents rarely occur. But be sure to use a machine with a payment license so that your funds are guaranteed.

4. Abnormal merchant type

If the cardholder frequently buys discounts from merchants, discount merchants, jewelers, etc., the bank can call the cardholder to verify the transaction. It's okay for this kind of merchant to make a few transactions occasionally, but it's obviously not a normal transaction for this kind of merchant to make frequent transactions. If you receive a call in this situation, it is best to keep the card for a month or two to eliminate the bank's vigilance against you.

5. Abnormal credit card swiping behavior

The cardholder made multiple purchases within a short period of time, and the card swiping locations were far apart. For example, if a transaction is processed in city A, it appears in city B or even in city C a few minutes later. This is obviously abnormal. The bank may suspect that it is a TX or fraudulent use, so it is likely to call the cardholder to verify the consumption.

6. Credit card risk control

If the cardholder's credit card consumption behavior is suspected to be TX or risky, the bank may have begun to implement financial risk management and control, which generally manifests as not raising the limit for N years, frequently sending standard text messages about card use, etc. If the cardholder makes a large transaction that exceeds 60% of the limit or goes through other country risk and transaction markets, the banking system will call to verify the transaction activity. If you encounter a risk control situation, you need to use some snacks to maintain your card.

If the cardholder is usually in good health, if the bank calls, he should answer customer service questions truthfully; if the cardholder is usually in poor health and has received multiple phone calls from the bank to remind him, he should be aware that even in serious cases Under certain circumstances, the bank may also require the cardholder to submit transaction vouchers.

In summary, it is also common for banks to verify credit card purchases over the phone for a number of reasons. Don't be nervous when you receive a call, ask what the problem is, and prescribe the right medicine based on your actual situation. Finally, we must learn to use credit cards reasonably and normally.

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