To provide a real credit decision device and its method for restricting the store use of a credit card which is highly likely to be illegally used by totaling the number of times of collation of a member's telephone number in card member registration information to be transmitted from a plurality of credit card company servers, and distributing a notification level corresponding to the total result to a plurality of credit card company servers in real time in response to a request.

The real credit decision device of a credit card includes: an access counter means 18; an access decision means 20; a telephone number history information database 22; and an arithmetic control part 26 for controlling a history decision means 24 to retrieve a history from a telephone number history information database 22, and to perform the arithmetic operation of a notification level, and for controlling a notification level transmission means 28 to transmit the alarm information of any one of "use stop level" of strong notification, "warning level" of middle notification and "warning level" of weak notification to a credit card company server 10a.