Why is this card friend so derated? The main reasons are analyzed:
1. Large-scale consumption of most capped banks will be identified in the set, and each month has a large cap, this is a dead hole.
2. Apparently diversified consumption, wholesale consumption accounted for a large amount of consumption Credit card express provisions can only be used for daily consumption, a large number of wholesale categories can not be classified as normal use, small occasional general banks will not be supervised. For wholesale consumption, the brush is more derated!!
3. Swipe your wife too often to promote more consumption, such a multi-consumption method seems to be a bit abnormal - - the billing system will automatically identify, such a frequency of consumption, do not check who you check? Banks are looking at the bills are forced.
4. Liabilities and risks have exceeded the bank's risk tolerance!
The credit card available amount is 0 and the debt ratio is 100%. This debt ratio is not your relatives, let alone the bank?!!
5. Overdue repayments must be avoided. If the repayment is often overdue, the bank will consider that the cardholder does not have the ability to repay on time and directly reduce the amount.
6. Repay your credit card with someone else's bank card. Whether it is Alipay WeChat or a savings card, it is best to use your own. Using someone else's bank card will make the bank feel that you are not very reliable.
7. Every month after the full amount of brushing is completed, it will make the bank feel that you are short of money and risk, and it is also likely to be recognized as cash.
8. The amount is large, and it is easy to be derated when the card is used less. The reason why banks have approved large-value cards is that they hope that cardholders can effectively use the quota. Assume that the quota of 20,000 yuan has been approved, but in fact, the monthly consumption accounts for less than 30%. In the long run, it is likely to be derated by the bank.
9. Always swipe the card at the same merchant, and the amount is large. For example, each month is fixed on a POS machine for several large credit cards, and the credit card is usually not consumed by other merchants. Such trading behavior carries a clear suspicion of cash. Even if you don't implement cash, this kind of swiping habit will make you carry a black pot.
10. The card interval is too short (this clause applies to large credit cards)
Frequent credit card swiping in a short period of time, and it is a large amount, may also be suspected of being cashed by the bank. If the same card needs to be swiped multiple times on the same day, the interval between each card should not be less than 15 minutes. If the machine for swiping is not in the same city, the interval should be more than 5 hours.
11. Often brushing the card, such as 50,000 cards, often brush 30,000, 40,000. Not meeting the actual consumption, it will be considered as cash.
12. Not in the normal business hours, in addition to the supermarkets and hotels that are open 24 hours a day, not checking the card during normal business hours will be considered suspected of cashing.
13. After repayment, a lot of people are quickly brushed out because they have no money, and they don't want to overdue. They quickly brush out after repayment on the repayment date. This way the bank will give a derating. We can change the method: more than one stroke, more than one brush, and diversify in the amount and merchants.
Xiaobian sums up two points, so that your card can continuously increase the amount. The first is to let the bank earn your money, and the second is to let the bank feel that you need to use the money and still have the money, how to operate it yourself.
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