Do I need to explain to the bank when I receive a credit card warning text message from China Everbright Bank?

No need. The precursor of major credit card risk control is to send text messages to warn users that as long as they repay on time, there is no need to explain to the bank. China Everbright Bank was established in August 1992. It is a national joint-stock commercial bank established with the approval of the State Council and the approval of the People's Bank of China. It is headquartered in Beijing.

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Jieyang handles credit cards.

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