In the process of using credit cards, cardholders often receive all kinds of short messages from banks, including the short message of derating. Many card friends are worried about whether the credit card will be downgraded as the short message says, so they come to consult whether it will be downgraded after receiving the short message of derating. Actually, this is not necessarily the case. will it be reduced after receiving the SMS notification? In many cases, the bank sends a short message to remind the cardholder that it will not necessarily reduce the amount, but mainly depends on the content of the short message. For example, if the text message mentions that the cardholder will use the credit card for daily consumption, otherwise the amount will be reduced, and so on, the amount will not be reduced immediately; If the text message mentions that the credit card has been reduced to a certain amount, it will definitely be reduced. Although the short message notice of credit reduction may not necessarily reduce the credit amount, the bank does not send short messages indiscriminately for no reason, but it is highly targeted. Most cardholders who receive such short messages trigger the red line of the bank's risk control, so that the credit card they hold is under the bank's risk control. There are mainly the following situations: 1. The comprehensive qualification of users is not as good as before. After all, after the credit card is approved, the bank will conduct post-loan management irregularly to check the cardholder's card use risk. For example, if the cardholder adds a lot of debts, there will be too many overdue and bad debts, and once the user's qualification becomes worse, the bank is likely to reduce the amount in order to reduce the risk. 2. The user's illegal card use behavior is serious, and the banking system monitors the cardholder's card use behavior in real time. Once the cardholder does not use the credit card for personal daily consumption, but makes a virtual transaction to get cash, especially if he swipes the card in a large amount more than once or twice, the bank will send a short message to warn the user to standardize the card use, or if it is true, he will send a short message to inform him. The above is the related introduction of "Will it definitely drop after receiving the SMS notification?" I hope it will help everyone.