It is possible that the credit card holder used it improperly! 1. Before the credit card is consumed in large amount, check the balance. 2. The equipment used is recognized as cash-out equipment. 3. The consumer merchant is a fake merchant, and the industrial and commercial network does not exist. 4. The credit card merchant is a public welfare or preferential merchant, not a standard merchant. 5. The consumer merchant is a cross-regional merchant! And several situations can lead to credit card downgrade or card closure. Generally, occasional occurrence will only lead to no increase in credit card quota, frequent occurrence will only lead to credit card downgrade, and long-term occurrence will lead to card closure.

after receiving this short message, you have to tell whether it is a message from the bank.

"Your credit card is overdue due to illegal operation, and our bank has temporarily frozen your credit card. Please call 86×××××" if you need to resume normal use.

where is the key issue of this message? That's the phone number that asked you to call back. Because that number is not from the bank.

if you see your name in the text message, and the signature of the text message is "XXX bank", you will believe it and immediately contact the phone number in the text message. After the call is connected, people who call themselves "customer service" will say that if there is an overdue consumption, the credit will be blacklisted if it is not handled in time.

"Customer Service" claims that "returning to normal" must "verify your credit information". You will be asked to send verification information later. At this time, you reported the payment verification code received by your mobile phone to the "customer service". You will find that shortly after reporting the verification code, your mobile phone will receive a short message of bank deduction.

if the repayment is late for a long time, the bank will freeze the credit card, and the long overdue period will affect personal credit. The bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. Moreover, during this period, the bank will have a Commissioner to collect money by SMS, telephone or door-to-door, and there will be relevant agreements on the application form when handling the card. If the card is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and there will be a SMS notification at the same time, so in your case, you should pay off the money as soon as possible.