First share some bank information received by cardholders:

CITIC Credit Card Warm Reminder: Credit cards are limited to personal daily life consumption, and you need to swipe the card or withdraw cash through regular channels (cash withdrawals will be subject to costs incurred). Regarding the illegal cashing out of illegal POS machines, according to regulatory requirements, banks have the right to take measures such as reducing the limit and locking the card to ensure the safety of credit cards.

Tips for using CITIC Bank credit cards: In order to protect your legitimate rights and interests, you must use the card in accordance with the "CITIC Bank Credit Card (Personal Card) Use Agreement". If there is any violation, the card and points will not be used. use.

Dear customers of CITIC Credit Card, according to regulatory requirements, if there are abnormalities in credit card use, repayment or personal credit, the bank may take measures such as reducing the limit and restricting card use. I would like to remind you to use credit cards in a standardized manner, repay on time, and cherish your credit history.

Dear customers of CITIC Credit Card, after monitoring, it is found that your credit card is suspected of being used for cash. The bank that uses the illegal card has the right to take measures such as reducing the credit limit and restricting the use of the card in accordance with regulatory requirements. We would like to remind you that Standardize the use of cards.

Dear Pudong Development Bank credit card holders, please pay attention to the standards and security of recent credit card transaction patterns. Again, please note that credit cards can only be used for daily personal consumption. Thank you for your support of Pudong Development Credit Card. Shanghai Pudong Development Bank

Dear Shanghai Pudong Development Credit Card holders, our bank has noticed that your recent credit card transactions have been abnormal. Please regulate your card usage and keep the receipts of recent credit card consumption transactions. According to the "Shanghai Pudong Development Bank Credit Card (Personal Card) Use Agreement", our bank has the right to investigate and verify and further take risk management measures such as freezing. Again, a friendly reminder that credit cards can only be used for personal daily consumption, thank you. Shanghai Pudong Development Bank

Dear Shanghai Pudong Development Credit Card holders, we have recently discovered that your credit card has abnormal card usage during transactions. Here is a reminder: Please use our credit cards in a regulated manner and retain all recent credit card purchases made by our bank. Transaction voucher. For customers who continue to use their cards improperly, our bank will take risk management measures in accordance with the credit card use contract, including but not limited to freezing the credit card, suspending the credit card business, etc. Thank you. Shanghai Pudong Development Bank

Warm reminder: Dear Pudong Development Credit Card holders, our bank has monitored your recent credit card transactions for suspected false transaction characteristics. If abnormal transactions continue to occur, our bank may subsequently issue checks on your cards. The amount will be re-evaluated. Again, please note that credit cards can only be used for personal expenses. Thank you for your support of Pudong Development Credit Card. Shanghai Pudong Development Bank

The following will teach you how to identify the severity of these messages and how to deal with them:

First of all, the users who received the messages have long-term card usage problems and are not You will receive it for a certain behavior. Even if it is an adjustment, it still depends on the behavior and habits of the past six months. Don’t panic when you receive the information, read the official wording first.

Format 1: popular science + regulatory requirements (this usually reminds users to learn the basic ways to use cards)

CITIC Credit Card Warm reminder: Credit cards are limited to personal daily life consumption. Swipe your card or withdraw cash through formal channels (cash withdrawals will incur fees). Regarding the illegal cashing out of illegal POS machines, according to regulatory requirements, banks have the right to take measures such as reducing the limit and locking the card to ensure the safety of credit cards.

Format 2: Read the contract + reminder (the implication is that some methods have violated the terms, so remind again).

Format 3: Notify of problem + warning.

Format 4: Regulatory requirements + clear measures will be taken (it’s just a matter of time, like Guangfa may take direct measures to directly reduce the quota).

Warm reminder to dear Pudong Development Bank credit card holders, our bank has monitored your recent credit card transactions for suspected false transaction characteristics. If abnormal transactions continue to occur, our bank may make adjustments to your card limit in the future. Reassess. Again, please note that credit cards can only be used for daily personal consumption. Thank you for your support of Pudong Development Credit Card. Shanghai Pudong Development Bank

Sometimes banks will send out some risk control information in bulk in order to respond to regulatory requirements: usually it will appear in format one and format two, and it will be appropriately ignored. There are also some problems with the flow of funds, such as the real estate industry, etc. .

After reading the information, you should check your card again and learn to check the bill to see if there are any of the following problems (CITIC as an example)

1. The card has been empty for a long time, and there is no need to limit the limit for a long time. , the single amount is too large.

Solution: You can ignore the previous installments and slightly adjust the transaction amount. For speculation, it is best to change or add new products (generally consider replacing and adjusting within six months)

2. Whether the recipient is being paid back (payment is made to the card from a long-term unfamiliar account), please refer to the first article. The problem should be more serious. For example, the 10,000 limit has been wiped out in one go, and it has been for six months or even more. It’s the same for a long time. Pay special attention to this, as well as the overall credit report situation, whether the debt is too high, overdue bank loans, overdue online loans, and other similar situations. If there are these situations, it is best to make installments decisively. It is best to divide them all. There are some People seem to be limited to a transaction amount of 2,000 and cannot pay in installments, so you should be careful.

The solution is the same as 1. There is also a minimum repayment that seems to also cause this problem:

3. The literal meaning already indicates that it is very serious. It should be that certain behaviors have hit the red line. CITIC Derating is never lenient, and there is no warning. If you receive this message, in addition to making installments, you can consider interacting with your own mall, and then be very careful when repaying to prevent being cheated. You can consider dividing it into batches. return.

Staging can cure all diseases, but many people may no longer be able to get the information by the time they receive the information. So how should we deal with it?

Method 1: Call the bank, learn how to communicate, and ask the customer service what the problem is. Generally, the customer service will not directly tell you, but will chat slowly and make insinuations.

Method 2: According to the preferences of different banks, choose what they like.

Method 3: Be careful when repaying, especially if you don’t have enough funds, try to use free time to connect and use small money to repay big money.

Method 4: Adjust the way you use your cards starting now.

Generally, banks will carry out large-scale risk control 1-2 times a year: if there are more than 3 online loans, Ping An will have to reduce it three times. It will also be reduced after using the reserve fund. Shanghai Pudong Development Huaxia will not reduce it once, continuously. The amount will be reduced a little every few months, and the amount will not be very high each time. Transportation and Guangdong Development are generally done in one step.

The banks with the strictest risk control: Guangfa, Communications, CITIC, and Ping An.

In recent years: Pudong Development Bank, Xingye, China Everbright and Huaxia have also joined.

The four major banks generally rarely experience declines, unless the card usage situation is really bad, and the business relationships between local branches are not close.