As soon as the information is sent, it is said that the credit card has the characteristics of false transactions. First, check your credit card operation records to see if there are frequent consumption behaviors. You can also call the credit card customer service phone directly for consultation to find out the reasons for false credit card transactions. If you spend your credit card normally, you can explain the reason directly to the customer service, because this kind of SMS notification is only recognized by the bank's risk control system, mainly for cashing out. You can ask the bank staff to write down their normal consumption. If it is caused by other reasons, ask the staff what the solution is.

First, briefly introduce the false credit card transaction.

False credit card transaction is the behavior that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but lists the cash within the credit card limit by other means, but does not withdraw the handling fee from the bank. If false transactions are found through cash withdrawal, the bank's risk control system will control, reduce the amount or seal the card according to the seriousness of the case, and may even pursue criminal responsibility. After all, cash withdrawal is an act that disrupts the financial market and poses great risks to the normal operation of banks and financial markets.

Second, credit card use skills

1. If the cash flow behavior of the cardholder is monitored by the bank, the card will be reduced or stopped, which will adversely affect the personal credit record.

2. Online cashing is easy for cardholders to fall into a vicious circle of "raising cards with cards" and "raising debts with debts", and it is easy to fall into economic difficulties.

3. In addition, some lawless elements may defraud the cardholder's personal information in the name of agent credit card or agent withdrawal, and then steal funds, or most cashing websites have not been formally registered or filed, which increases the risk of cardholder's personal information disclosure.

Third, the legal basis

According to the relevant provisions of the Interpretation 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 of Impairment of Credit Card Management, if a cardholder maliciously overdraws through a POS machine for the purpose of illegal possession, he will be convicted and punished for credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.