Go to the nearest bank counter or ATM with your bank card immediately to perform operations such as enquiries, deposits and withdrawals. You can also make a transaction by swiping your card at a nearby merchant and keep the receipt. This step is very important. It is the bank's responsibility to prove that this bank card has always been in your hand and that the other party used a counterfeit card for transactions. At the same time, call the customer service number of the bank that issued the card, clearly informing the customer service that the card has been stolen, and requesting the bank to stop payment and freeze the bank card. Call the police immediately. Negotiate with the bank and ask the bank to assume full responsibility and compensate you.

1. Industrial Bank is one of the formally licensed commercial banks in my country and has the qualification to legally issue credit cards. In recent years, the number of credit card holders has increased rapidly, so the overdue rate of credit cards and the bad debt rate are also increasing. Therefore, Industrial Bank's risk control department has strengthened the management of card usage by cardholders. Dear customer: In order to avoid affecting your credit card limit, we remind you to pay attention to the standards and safety of the recent transaction patterns of the Industrial Credit Card you use, and use the credit card only for daily consumption transactions. Receiving such text messages proves that you have touched the bottom line when using your credit card, which has attracted the attention of the bank's risk control department. If the card swiping action does not change, what awaits you will be a reduction in the credit card limit or even blocking of the card. However, there is no need to worry too much when receiving such text messages. You can regard them as a warm reminder and a small warning from the bank.

2. Fast in and fast out. The cardholder immediately withdraws the credit limit or uses most of the credit limit after repaying the full amount on the repayment date. This operation makes the bank consider it as a cash-out behavior and immediately Carry out risk control. It is also taboo to make large incomings and outgoings, to withdraw large amounts after repaying a large amount, or even to use up the credit limit. It is recommended that a single purchase should not exceed 40% of the quota, and the maximum amount can be 80%, leaving 20% ??of the quota reserved. Otherwise, the bank will think that the cardholder is short of money and question your repayment ability. Not only will it be difficult to raise the limit, but there is also the risk of having the card reduced or blocked. Multiple in and out. Try not to swipe the same card more than 3 times a day, and the swiping time should be more than 2 hours apart.

3. Credit card swiping time. The business hours of most merchants are basically between 8:00 and 22:00. Card swiping behavior at other times is abnormal, except for online shopping. When swiping the amount of the card, do not swipe the whole number or the same number. It is not a smooth sequence, so don’t be too regular. Avoid using decimal points for large amounts. If there are too many numbers, even if it is real consumption, it will touch the bank's big data risk control. The number of credit card transactions, 20-30 monthly purchases, large amounts and small amounts of real consumption will be recognized by the bank as a high-quality customer. 1-2 large transactions per month will be considered by the bank as a cash-out customer.