1. General reminder. The cardholder has always used the card for normal consumption without any bad behavior. Receiving information about the use of the bank card is a warm reminder. Notify the cardholder that the credit limit is almost exhausted, and use the limit reasonably to avoid insufficient credit limit when swiping the card.

2. Risk control management. If a cardholder receives such text message reminders for several consecutive months, it is likely that there is abnormal transaction behavior and the bank has discovered that the cardholder will receive the reminder when conducting risk control management of the credit card.