13 facts that a bank can know about your life

A small piece of plastic, which, in fact, is your credit card, can tell your bank how well you care about your home, what your marriage is, whether you are a reliable customer and much more. What other facts does the bank know that issued you a credit card?

Do you have problems in your marriage?

Most banks are studying data on cardholders to find out about possible financial problems. This data can then be used to lower your credit. There were cases when companies reduced the available credit limit for customers who used cards to pay for services of marriage consultants, bars and pawnshops.

You do not have the best manners

If you at least once called the bank, when you were angry or used profanity, in front of your name in the client database you can mark that you are inclined to insult the caller by phone. After this, every time you call, bank employees on customer service will be on their guard.

What did you do last summer (and a year before)

Banks track your favorite places that you visit. They also know which ATMs you use most often, and when you usually enter the mobile application. Pay attention to such things - this is one of the effective ways to calculate scammers.

Do you take good care of your home?

One study showed that people who care for their home rarely miss mandatory payments on their cards. If you are defending your things, then you will be just as careful about your accounts.

Where are you at the moment

If you have enabled the location service in the application for your card, the bank can monitor your movements around the city. The new tracking technique will soon be able to tell the banks which stores you are going to, and how much time you spend in each pass.

You are a responsible customer

If the responsible client requests a lower interest rate, there is a good chance that he will be answered with consent. Statistics say that 78% of customers with a good credit history receive lower interest when asked about it.

You are a small business owner

Banks like these customers. They tend to make a lot of purchases and regularly make payments to the card. Sometimes banks buy lists of new companies and limited liability companies to send them a credit card offer for business.

What and where do you buy

Banks often cooperate with marketers to create special offers for you based on your purchases. If you regularly buy the same products, special discounts and promotions may appear in your mobile banking application from the store where you make purchases (or from a competitor who tries to entice you).

Are you worth it to remain a bank customer

When you call customer support, some banks have a green or red indicator on the screen, which depends on the risk indicators. This tells the bank staff if it is worth trying to keep you as a customer.

What does your signature look like?

If you are not sure about all the costs of your credit card, most banks can send you a copy of your receipt with your signature.

You do not know the benefits of your card

Many credit cards offer benefits such as car rental or travel insurance, but you do not even know about it, since you did not read what is written in small print.

You talk too much

To build the right relationships with customers, banks often allow them to stay on the phone for as long as they want. Some of them are lonely, and can stay on the line for more than an hour.

You are going to abandon the services of the bank

Banks analyze the data to see if you are using the card and whether there are any other signs that you can close your account. In such cases, they can try to keep you.