The quota may be reduced within 1 to 3 months after receiving the text message. Like level 3 risk control, the content of the text message is to prompt abnormal card use behavior, standardize card use, allow all consumption transaction vouchers to be retained, and warn that subsequent improper use of the card will take risk management and control measures such as freezing and terminating the credit card.

Risk avoidance Risk avoidance is the conscious abandonment of risky behavior by investment entities to completely avoid specific loss risks. Simple risk avoidance is the most negative way to deal with risks, because when investors give up risky behaviors, they often also give up potential target returns. Therefore, this method is generally adopted only under the following circumstances:

(1) The investment subject is extremely risk-averse.

(2) There are other options that can achieve the same goal with lower risks.

(3) The investment entity is unable to eliminate or transfer risks.

(4) The investment entity is unable to bear the risk, or the risk cannot be adequately compensated.

Loss control Loss control is not about giving up risk, but about formulating plans and taking measures to reduce the possibility of loss or reduce actual losses. The stages of control include three stages before, during and after the event. The purpose of ex-ante control is mainly to reduce the probability of loss, while the purpose of control during and after the event is mainly to reduce the actual loss.

Risk transfer Risk transfer refers to the act of transferring the transferor's risks to the transferee through a contract. The risk level of economic entities can sometimes be significantly reduced through the risk transfer process. The main forms of risk transfer are contracts and insurance. (1) Contract transfer. By entering into a contract, some or all of the risk can be transferred to one or more other parties. (2) Insurance transfer. Insurance is the most widely used method of risk transfer. Risk retention means risk bearing. That is, if a loss occurs, the economic agent will pay it with whatever funds are available at the time. Risk retention includes unplanned retention and planned self-insurance.

(1) No plan for self-retention. It refers to payment from income after risk losses occur, that is, funding arrangements are not made before losses. When an economic entity is not aware of the risk and believes that the loss will not occur, or when it significantly underestimates the maximum possible loss that it realizes is related to the risk, it will adopt the unplanned retention method to bear risks. Generally speaking, no fund retention should be used with caution, because if the actual total loss is much greater than the expected loss, it will cause difficulties in cash flow.

(2) Have planned self-insurance. It refers to making various financial arrangements before possible losses occur to ensure that funds can be obtained in time to compensate for losses after losses occur. Planned self-insurance is mainly achieved through the establishment of risk reserve funds.