Sou Hu Cai Jing·2025-08-13 08:51Core Viewpoint - Recent reports indicate that credit card holders are facing temporary suspensions due to abnormal transaction scenarios, particularly "same-name merchant transactions" and "high-frequency transactions at a single merchant" [1][3]. Group 1: Same-name Merchant Transactions - Transactions at POS terminals with merchant names containing the cardholder's name trigger immediate alerts from banks, leading to temporary suspensions due to suspected identity association [3]. - The bank's risk control system flags these transactions as potential "closed-loop fund flow" suspicions, requiring cardholders to provide proof of payment purpose and settle any outstanding debts to lift restrictions [3]. Group 2: High-frequency Transactions at a Single Merchant - Data from the payment industry shows a 37% year-on-year increase in credit card risk control cases due to "concentrated transactions at a single merchant" over the past six months [5]. - Several banks, including China Construction Bank, have implemented measures such as reducing credit limits and freezing cards for high-value, frequent transactions at the same merchant [5]. Group 3: Risk Control Measures by Banks - Minsheng Bank has implemented transaction permission controls to precisely intercept and restrict credit card transactions at specific merchants [7]. - Citic Bank sends warning messages to users when frequent transactions at the same merchant trigger abnormal monitoring [7]. Group 4: Compliance and Transaction Patterns - Credit cards are primarily intended for daily consumption; thus, high-frequency transactions at the same terminal, especially large round-number transactions, may resemble "cash-out transaction characteristics" [8]. - Transactions that do not align with the merchant's actual business scale or daily consumption patterns are closely monitored by banks' risk control systems [8]. Group 5: Recommendations for Cardholders - Experts suggest cardholders diversify their transaction habits by using 2-3 different POS terminals and merchant payment codes to cover various industries, avoiding the risk of transaction scenario solidification [9]. - Cardholders should increase the proportion of genuine consumption across different platforms and ensure a transaction structure of "small frequent + large dispersed" to pass risk control checks more easily [11]. - It is advised to avoid frequent transactions at the same terminal within short time frames and ensure large transactions match the merchant's business type [11]. Group 6: Building a Diverse Transaction Ecosystem - Cardholders should align their transaction behaviors with real-life spending patterns by utilizing different merchant codes, consumption scenarios, and payment channels to create transaction data that reflects "normal consumption logic" [12]. - Combining traditional POS machines with merchant payment codes can generate varied merchant codes, breaking the single-entity transaction pattern [13]. - Incorporating daily high-frequency spending scenarios, such as dining and shopping, along with covering utility payments and educational expenses, can enhance transaction diversity [13].