How does the bank find that you are using the credit card in violation of the rules? What is the reason for the credit card being blocked?

According to Xiaobian, the recent feedback to Xiaobian has led to an increase in the number of credit card seals caused by the use of unreliable hand-brush POS. Currently, CITIC, ABC, Bank of Communications, etc. have corresponding cases!

At present, there are two POS and two cleaning codes in the market, and the POS hand brush has no bottom line hopping code set! Due to the partial use of the large merchant model, the credit card consumption record is in a state of confusion! If Xiao Li lives in Shanghai, he spends a 100 yuan transaction in the A store. The registration information of the second clear POS machine used by the other party may not be in Shanghai, but in another city. Once Xiao Li spent the same time in other businesses to handle the second clear POS machine, in the same situation, there will be a credit card record in several different cities within one day, such situation is very easy to be seized by bank monitoring!

Hand brushed to the wind control phone

symptom:

The two POS machines that my friend has run are X-member treasure, X-brush, and the brush is brushed to the same merchant for two days!

b. In the evening, I brushed a 9K+ by hand, and after a while, Guangfa called and came over. The manual verification was not my own operation, and the card was not around me. Is it being controlled by the wind?

c. There is a problem with the hand brush. The sushi shop has brushed more than a thousand. Will it be controlled by the wind?

Solution:

Hand brushes are more popular, after all, machines are free to send. Anyone who knows how to jump the code will know that a certain period of time will be a merchant, and I will spend 10 yuan to look at it next time. As for the rate, the standard rate should be 0.6, the second to need +1-3 yuan, non-seconds to no need to add money.

The hand brush is added as a bill, and it is enough to brush it in a few times in January.

According to industry sources, card swiping behavior that meets the following characteristics is likely to be warned by the wind control system:

[1] The amount of single-card credit card accounts for more than 90% of the total card amount. [2] Swipe time: Swipe for non-business hours.

[3] Swipe interval: 3 or more transactions in 60 minutes. [4] Withdrawal of a single transaction: One card is operated on the same POS machine within one day. [5] Timing, fixed, fixed, fixed, trading

The consequences are very tragic!

The credit card that caused a bunch of friends and family was blocked...

Some unreliable POS machines not only take preferential rates, but also use zero-rate channels. The cost should be a few dollars! Which is a violation! Is it really good to do this?

In the end, which transactions are easily defined by banks as having a set of suspicions?

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 over 5,000 credit card transactions, and all of them are integer consumption, such as 10,000, 20,000, 50,000, etc., the probability of you being derated by the bank is very high.

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.