1. General reminder. The cardholder has been using the card for normal consumption without any bad behavior, so receiving information about the bank's credit limit is a warm reminder. Notify the cardholder that the credit limit is almost exhausted, and use the limit reasonably to avoid insufficient credit limit when swiping the card. In addition, if this happens, the cardholder can submit a limit increase application to the bank, and the chance of a limit increase will be greatly increased.

2. Risk control management. If the cardholder receives such text message reminders for several consecutive months, it is likely that there is abnormal transaction behavior and the bank has discovered it. The cardholder will receive the reminder when conducting risk control management on the credit card.

At this time, cardholders are best to maintain good card usage habits, use more online purchases and less POS machines, repay on time, etc., and strive to lift the risk control as soon as possible. If the risk control is serious, the credit limit will be reduced directly. Or block the card.

In addition, cardholders can also use installment repayment or cash withdrawal to provide the bank with a little profit, and may also be able to lift risk control in advance.