Banks have very strict supervision over "cash-out of credit cards". Credit card customers suspected of cash-out will have their credit cards blocked or reduced by the bank. \x0d\ China Merchants Bank will send a risk SMS notification before suspending or reducing the customer's credit card. The content is: \x0d\ Dear customer, there have been risky transactions on your China Merchants Bank credit card recently. We would like to remind you to use the card strictly. If improvements are not made, the bank will take measures such as reducing the credit limit in accordance with regulatory requirements to ensure credit card security [China Merchants Bank] \x0d\ If you receive such a risky text message, it means that your previous transaction behavior has been recognized by the China Merchants Bank Credit Card Center For: "cash out" and put you on the "Credit Card Risk Customer Control List". \x0d\Received 1 risk SMS notification in total: included in the "Credit Card Risk Customer Control List". \x0d\ Received risk SMS notifications 2 times in total: The credit card installment function has been deactivated, and all installments (single, bill, and cash installments) cannot be processed. \x0d\Received risk SMS notifications 3 times in total: the credit card will be blocked or reduced at any time. \x0d\For customers with serious credit card "cash-out" situations, if they do not improve their card usage behavior after receiving a risk SMS notification once, their credit card will be directly blocked or their credit limit will be reduced. For customers whose credit card "cash-out" is particularly serious, their credit card will be directly blocked or their balance reduced without receiving a risk SMS notification. \x0d\Among the banks nationwide, Communications, CITIC and China Merchants have the strictest credit card supervision.