I received a text message from China Merchants Credit Card saying that there are risks in using the card. What should I do?

Many people may receive text messages from some banks saying that their cards are at risk. They may need to take steps to activate or eliminate the card's risk in other ways. Be sure not to click on these links or perform some steps and operations easily, because there are more and more of them now, and the methods are very sophisticated. It is very likely that they are messages sent by scammers, so be sure to verify the specific situation first.

1. Confirm whether you have such a card

Many netizens reported that they had never applied for a card from this bank, but received a text message from this bank, so When you receive a text message from China Merchants Credit Card indicating that there are risks in using the card, you must first confirm whether you have applied for such a credit card. If not, you can ignore it. Remember not to click on links from unfamiliar text messages easily.

2. You can call the customer service of China Merchants Bank for consultation

If you are sure that you have a China Merchants Credit Card and have recently used the card to make purchases, you can first call the customer service of China Merchants Bank for consultation. , confirm whether your card is really at risk and what the specific reasons are. After knowing the specific situation, you can decide whether to go to the business hall or not.

3. You can choose the nearest business office to check account information

If you don’t want to call for consultation, you can also go directly to the business office to check personal account issues. If there is indeed a risk, you can choose the nearest China Merchants Bank business office and contact the card usage risks of your credit card with the help of the sales staff. This is also the safest way.

The above is just my personal opinion. Nowadays, there are many telecommunications companies in society, and sometimes they are very capable of "disguising". We must be cautious when it comes to money and private information, and don't believe it easily. If others say it, you can go to a specific place to verify the relevant information to confirm it. As the saying goes, "Don't be afraid of ten thousand, be afraid of just in case." What do you think about this? Everyone is welcome to leave a message and discuss in the comment area.

About the risk reminder for China Merchants Credit Card?

The China Merchants Bank credit card sent a card risk warning, indicating that China Merchants Bank believed that the user's transaction was risky or suspected of cashing out, so it sent a text message to remind the user. After receiving the reminder text message, users must pay special attention to the consumption time, consumption amount and consumption merchant. Once there are similar illegal transactions again, the credit card will be directly subject to risk control.

After the credit card is subject to risk control, the more straightforward manifestation is that the card cannot be used regularly for consumption. At this time, you must find the bank to remove the risk control. It will be slower to wait for the bank to automatically remove the risk control.

Extended information:

Notes:

1. The credit card can only be used by the cardholder himself. Do not lend the credit card to others.

2. Please keep your personal information properly and do not tell others the validity period and other information.

3. When swiping your card for consumption, keep your credit card out of your sight.

4. When entering the password, please pay attention to covering it. Don’t set your password too simply, and don’t use your birthday, phone number, or ID number as your password. Never write your password on or with your credit card.

5. When you get the new card, you should sign on the back of the card immediately.

6. There is some credit card information on the purchase form, so do not throw it away at will.

7. Please identify the URL carefully to prevent visiting fake shopping websites and fake online payment pages.

Baidu Encyclopedia - China Merchants Credit Card

China Merchants Bank Official Website - Frequently Asked Questions about Credit Cards

People's Daily Online - Early Prevention of Credit Card Risks

China Merchants Bank Credit Card (Credit card) sent a card risk reminder

China Merchants Bank Credit Card (credit card) sent a card risk reminder, indicating that China Merchants Bank believes that the user's transaction is risky or there is suspicion of cash withdrawal, so as to This sends a text message to remind the user. After receiving the reminder text message, users must pay special attention to the consumption time, consumption amount and consumption merchant. Once there are similar illegal transactions, the credit card (debit card) will be directly subject to risk control.

After a credit card (debit card) is subject to risk control, a more straightforward manifestation is that the credit card (debit card) is used irregularly to make purchases. At this time, you must find a bank to remove the risk control and wait for the bank to automatically remove the risk control. It's relatively slow.

China Merchants Credit Card received a text message indicating that there have been risky transactions recently. Has it been risk controlled?

Yes, this kind of reminder is generally related to card usage habits, consumer merchants, and machines. Card usage habits include whether you usually swipe your card in integers, whether the time you swipe your card is in line with normal business hours, and whether you swipe your card in digits, etc. As for consumer merchants, some people are greedy for low rates and use the merchant's payment code. In this way, the merchants who consume for a long time are all the same. The code hopping of the card machine and fake merchants will have an impact.

The most common phenomenon of credit card risk control is that cardholders illegally cash out or make malicious overdrafts. Once some banks suspect that your credit card is cashing out, they will directly block the card and reduce the limit without any warning. If your credit card is subject to risk control, you must prove to the bank that you are using the card normally and you can submit relevant evidence. If you really violate the rules, there is no way to solve the risk control. You can only maintain good credit card swiping in the future. Get used to it and slowly gain the trust of the bank. If you want your credit card to be protected from risk control, try not to operate illegally.

After receiving the risk control text message, all cardholders have to do is self-examination and self-correction, check whether there is any problem with their machine, and correct whether there is anything wrong with their card swiping method. At the same time, it is recommended that cardholders use their cards to make real purchases, combine online card swiping methods, and offline POS machines. Diverse and diversified card swiping methods will be more popular with banks and less likely to be derated by risk control. .

Credit card usage suggestions:

1. Use the card normally

Pay attention to observe and analyze your bills every month, and keep at least 30%-50 of your monthly limit %, and a single transaction should not exceed 30% of the limit. Do not empty the card entirely. It is recommended to leave 10%-20% of the limit for billing, so that the number of calls inviting installments will be reduced.

2. Install your bills in installments appropriately

Some people never make installments, and it will be difficult for banks to earn your installment fees. You always pay in installments, and the bank thinks you don’t have enough repayment ability. So you can only balance it yourself and figure out the scale. A bill of 10,000 can be divided into half or one-third, 3 or 6 installments, which are all reasonable.

3. You can shop at merchants or malls that cooperate with banks, or go to large supermarkets to make a few transactions

About the risks of CMB credit cards and what are the risks of CMB credit cards? This is the end of the introduction. I wonder if you found the information you need?