This is risk control.
Through monitoring, it is suspected that you are not using the card normally. So, the bank sent this text message. Just follow the instructions in this text message. At the same time, try to keep transaction evidence, such as receipts, invoices, etc. Remember where and when the transaction was made, and be prepared to submit evidence in due course.
If you really make false transactions, or cash out, etc., you may be subject to penalties from the bank.
The first level is relatively loose. The text message sent by Shanghai Pudong Development Bank mainly reminds the cardholder that the system has detected irregular transaction patterns in recent times. In order to avoid affecting the credit limit of the credit card, the cardholder must Use credit cards for personal purchases. Don’t pay too much attention when you receive this kind of text message. Of course, it’s best to consume it normally.
The second level, this level of risk control text message, will remind the cardholder that the system has detected an abnormality in the cardholder’s recent credit card transactions, and will not only allow the cardholder to use the card in a standardized manner, but also ask the cardholder to retain the transaction voucher. When you receive a text message with this kind of content, if you have any consumption vouchers, quickly find it so that you can respond to bank random checks at any time. If you don't have consumption vouchers, you should use your card with caution.
The third level. This level of risk control text message directly informs cardholders of abnormal card usage behavior during recent credit card transactions. In addition to asking cardholders to use the card regularly, it also asks them to retain all recent credit card consumption vouchers, and then warns them if they continue to use the card inappropriately. If you use a credit card, you must freeze the credit card or suspend the credit card business according to the credit card contract. In this case, the cardholder must quickly find all the recent consumption vouchers. If there are no, there may be risks. The bank will call or send text messages at any time to ask for consumption vouchers. And the subsequent use of the card must be standardized.
Level 4: The text message content directly warns the cardholder that the bank has detected suspected fraudulent transactions on the credit card recently. If the card is used like this again, the bank may have to reduce the credit limit. After receiving this kind of text message, friends who want to cash out must take it easy, use the card normally, repay on time, and avoid making large amounts in the near future. The important thing is to swipe the card during normal business hours, and the amount swiped must match the type of merchant. .
At the fifth level, the text message content directly tells the cardholder that the bank has suspended the use of the credit card due to recent abnormal usage of the account. If you receive this kind of text message, it is basically hopeless. If the bank blocks the card, it will not be easily unblocked. If you have any outstanding balances, please close the account quickly. Keeping a card that cannot be used is useless, and it may also Annual fees will be deducted.