At the end of the year, banks should also have activities. Maybe you will ask the card sister, don't you all say that the card is easy to withdraw at the end of the year? Why are there a large number of deratings? Card sister told you in a simple sentence that it is the end of the year, the bank will increase the risk control, it is so simple and rude!
Want to avoid the bank's card derating, first see if you have these operations!
1. Concentrate on large transactions
Perhaps your expenses will gradually increase near the end of the year, but usually it is a small amount of consumption, you are swiping a small amount of money, suddenly a big sum of money, and several times. Such a transaction, the bank does not stare at who you stare?
2. Swipe merchants are the key risk control objects
Normal consumer places such as shopping malls and supermarkets do not have any problems, but you prefer to go to public welfare, real estate, steel trade and other trading venues for trading, and even more often use personal POS machines to swipe cards. I want to say that you are in danger!
3, integer trading
Generally speaking, your spending amount is rarely an integer transaction, but you have to make up the credit card today 5000, tomorrow 10000, so how often does this operation differ from your bank money? You can withdraw the number in an integer, but you can't often swipe the whole number of cards. Otherwise, the derating is all that the bank gives you a few thin faces.
4, non-business hours card and multiple transactions in a short period of time
Normal work schedule Card sister does not say that you also know, unless you are a night owl, you like black and white upside down. Others like to spend during the day, but you just swip your card at night, and you have to swipe frequently in the middle of the night. Is this card stolen? Can banks not control you?
5, a blank amount of your credit
With a credit card, it is equivalent to having a small vault that can be overdrawn. You can spend the amount, but you can't brush it all at once. A blank credit card, so that your card becomes an empty card, is it a bit strange?
6, one-time repayment of one-time brush out
Repayment is quite a pleasure for you, I really didn't think that the speed of spending money is also a must. Seeing the repayment date, I had to pay off the arrears in order to keep my credit. But then you brush it out in one go, and the bank that operates this has to sneer at you. Good! The speed of this money is really no match! It is better to give you a derating to control your expenses, or directly seal the card, you don't have to spend this money.
In summary, if you are all smothered, the card sister wants to say, you have to be careful, the next one may be deducted by the card!
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