1. How to appeal after receiving a promotional text message from a credit card

You can appeal by submitting an appeal letter stating the reasons for the appeal. The content of the appeal petition shall include the names of the parties, the name of the legal person and the name of its legal representative, or the name of other organizations and the names of their principal persons in charge, the name of the original people's court, the number and cause of the case, and the request and reasons for the appeal.

An appeal must be filed by a person who has the right to appeal or can exercise the right to appeal in accordance with the law. In civil and economic dispute cases, plaintiffs, defendants, and third parties with independent claims have the right to appeal. A third party without an independent right of claim also has the right to appeal if his liability is confirmed in the first-instance judgment. The appeal period for civil and economic disputes is 15 days, and the appeal period for civil and economic disputes is 10 days. The appeal period starts from the second day after receiving the first-instance judgment and ruling. No appeal is allowed after the time limit.

2. How to repay credit card without reducing the limit

There are two main ways to prevent credit card repayment from being reduced by the bank: try to avoid paying only the minimum repayment amount; Repay in full. If you only pay the minimum repayment amount, the bank will suspect that the cardholder's repayment ability is insufficient. In order to protect the safety of funds and prevent the cardholder from overdue, the bank will reduce the amount. If the cardholder always repays the loan in full and the bank makes no profit, it will withdraw the credit and transfer it to the cardholder who can pay in installments and can bring profits to the bank. Master these two repayment methods and avoid overdue payments, and the possibility of being reduced will be greatly reduced.

If the credit card limit is reduced and the credit card cannot be repaid, the bank will first collect the credit card. Generally, three months before the credit card is overdue, the bank collection staff will send text messages and phone calls to remind the cardholder to repay the credit card. If the cardholder still fails to repay, bank collection officers may choose to sue the cardholder. Cardholders can negotiate with the bank whether minimum repayment or installment repayment is possible. Generally speaking, there is no direct connection between derating and installment and minimum repayment, and it should not affect it. You can check with customer service for details.

Entrust a lawyer to submit an appeal to the court, explaining that the lawsuit can be appealed. You can ignore promotional text messages sent by credit cards. You can also go to the bank to understand the situation, and the bank will be responsible for handling such issues. If you find that your credit card has been stolen, you need to go to the bank to report the loss and then report it to the local public security agency.