Here we take the three types of text messages sent by CITIC Bank as examples:

The first type:

The second type:

The third type:

We will not explain too much about the third type of risk control SMS here. The bank has already pointed out that it is you. You have TX behavior. All you have to do is regulate the use of the card!

The wording of the first two text messages seems to be much more tactful, so many cardholders interpret them as being sent by the bank to all cardholders to remind everyone to use the card properly. , not directed at myself.

Don’t be so naive. Mass mailing is also selective. Since the bank has sent it to you, it means there is a problem with the way you use the card!

On what basis does the bank send mass text messages?

When banks reduce or block cardholders' credit, they do not single out all illegal card users at once, but do so selectively.

After all, if all cards are blocked and derated, the overdue rate will definitely increase significantly, which is not conducive to social stability. In fact, banks will, from time to time, single out some users who do not use their cards according to the rules and have high debt ratios, and reduce the credit limit and block the cards of these people.

If you receive a risk control text message, it means that you have not swiped your card properly in the past 3-6 months, or your debt ratio continues to increase. Usually banks will not lower your card limit immediately, but will observe you for a period of time.

If there is no improvement during this period, the result will definitely not be good.