For ordinary people, credit cards are only consumption and staging, but this is just the usage of ordinary people. For other large credit card holders, cash is used to collect cash. This is one of the main purposes of card maintenance. In the process, it is inevitable that the bank will "succeed" to find out, such as this Case:
Xiao Zhang and Xiao Li are buddies. The two want to do business but have no money to start the fund. So they decided to use a credit card to solve the funding problem. They looked for an intermediary to handle the wages. After the credit card was raised, the two people took hundreds of thousands of dollars in cash by credit card. However, "the good times are not long", a few months later, Xiao Zhang Xiao Li was arrested by the local procuratorate for credit card fraud.
Once the bank finds that the credit card holder has cashed in, it will freeze the card. If the situation is bad, it will even be added to the bank blacklist, which will not only affect the later credit card processing and payment, but also bear legal responsibility. So the question is: Why do banks always happen to be able to seize those who cash out? Below, Xiaobian to tell everyone why.
Each bank has a set of credit card risk control methods and rules. Specifically, it is no different from the following four methods to identify whether a cardholder has a current set of practices:
1. Data monitoring.
Generally speaking, the amount of credit card consumption is scattered, and the amount is small, but there will be certain rules for long-term accumulation. If there is a sudden large amount of credit carding, and it is just after the end of the billing date, then such obvious features will naturally be controlled by the bank, and it is considered to be the current set.
2. Swipe abnormally.
For example, one person swipes the card between 11:00 and 2:00 in the afternoon, and does not brush in other time periods, then suddenly swipes the card at another time, or in the area where the card is frequently swiped, these will be recognized by the bank. In order to swipe the card abnormally, it will be more difficult if you want to raise the amount later.
3. High-risk POS machines consume large amounts of money.
In order to avoid the concern of banks, some cardholders will choose different intermediaries and pos machines, but most of the POS machines in the intermediary are the focus of UnionPay and issuers, and the practice of converting intermediaries and POS machines is likely to be From a high risk to another high risk, if you don't grasp it well, this approach may be counterproductive. From this point of view, the advantages of the member treasure will be highlighted.
4. Monthly light quota.
Everyone, the cardholder will use up all the credits within a few days after repayment, and even use up the amount within one day after repayment. This extreme situation will naturally be the focus of the bank. monitor.
The above logic is well understood. Except for some economically strong cardholders, most people have difficulty in tens of thousands of large-scale consumption. Therefore, large-volume consumption and monthly credit cards will naturally be paid attention to by banks. If there is a large amount of online consumption or high-risk POS consumption, it is difficult for such an account to be listed by banks as high-risk users.
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