Is it really useful for Industrial Bank to standardize text messages for cards?

Industrial Bank’s standard card use SMS is a reminder to cardholders to use their credit cards in a standardized manner. Usually, if cardholders receive such text messages even if they do not use their credit cards in violation of regulations, most of them are Industrial Bank sent the message in bulk to remind cardholders to use their credit cards in a standardized manner and not to engage in illegal operations.

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1. In recent years, as the country has rectified the financial industry, banks have also continued to standardize the approval of credit cards and no longer issue flooded cards. Therefore, The functions of the risk control department have become increasingly important, and supervision of customers' credit card usage has been strengthened. Therefore, as a cardholder, you should also pay attention to standard card use and do not use credit cards to cash out, invest and purchase products in the real estate industry. Industrial Bank is one of the formally licensed commercial banks in my country and has the qualification to legally issue credit cards. In recent years, the number of credit card holders has increased rapidly, so the overdue rate of credit cards and the bad debt rate are also increasing. Therefore, Industrial Bank's risk control department has strengthened the management of card usage by cardholders.

2. Many Industrial Bank cardholders have received this type of text message: Dear customers of Industrial Bank: In order to avoid affecting your credit card limit, we remind you to pay attention to the standards and security of recent transaction patterns of the Industrial Credit Card you use. , use your credit card only for daily consumer transactions. Receiving such text messages proves that you have touched the bottom line when using your credit card, which has attracted the attention of the bank's risk control department. If you do not change the card swiping action, what awaits you will be a reduction in the credit card limit or even closure of the card. 4. Card swiping time. The business hours of most merchants are basically between 8:00 and 22:00. It is abnormal to use credit cards at other times, except for online shopping. Number of credit card transactions: 1. Make 20-30 monthly purchases, with large amounts and small amounts being real purchases. This way you will be recognized as a high-quality customer by the bank. 2. 1-2 large amounts per month will be considered by the bank as a cash-out customer.

3. If you learn these card swiping actions, you will not only avoid receiving such text messages, but your credit limit will continue to increase, and you may even get unexpected gains. Industrial Bank Co., Ltd. ("Industrial Bank" for short) was established in August 1988. It is one of the first batch of joint-stock commercial banks approved by the State Council and the People's Bank of China. In 2007, it was officially listed on the Shanghai Stock Exchange. The head office is located in Fuzhou City. Since its opening thirty years ago, Industrial Bank has always adhered to the business philosophy of "sincere service and accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services.