If a message is sent saying that the credit card has false transaction characteristics, first check your credit card transaction records to see if there is frequent consumption behavior. You can also directly call the credit card customer service number for consultation to learn more about the fraudulent credit card. As for the reason for the transaction, if you are swiping your card normally for consumption, you can directly explain the reason to the customer service, because this SMS notification is only recognized by the bank's risk control system, and it is mainly for cashing out otherwise, you can just ask the bank staff to note your normal consumption. If it is due to other reasons, ask the staff what the solution is.

1. Brief description of false credit card transactions

False credit card transactions mean that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but uses other methods to withdraw cash. A behavior that is listed in the credit card limit but does not withdraw fees from the bank. If it is discovered that a false transaction was made through cash withdrawal, the bank's risk control system will take control and reduce the amount or block the card depending on the severity of the case. You may even be held criminally responsible. After all, cashing out is an act that disrupts the financial market and is harmful to banks and financial markets. poses a significant risk to its normal operation.

2. Tips for using credit cards

1. If the cardholder uses cash out for capital turnover, if the bank monitors it, the bank will reduce the limit or suspend the card. Adverse effects on personal credit history.

2. Cashing out online can easily cause cardholders to fall into a vicious cycle of "using cards to support cards" and "using debt to support debts", and easily fall into financial difficulties.

3. In addition, some criminals may use the identity of an online intermediary to defraud the cardholder’s personal information and steal funds in the name of applying for a credit card or withdrawing funds, or most cash-out websites do not have After formal registration or filing, the risk of cardholders leaking personal information increases.

3. Legal Basis

According to the relevant provisions of the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" cardholders shall Those who maliciously overdraft through POS machines for the purpose of illegal possession will be convicted and punished for credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.