What should I do if I receive a bank risk control message?

If there is any violation of the credit card usage rules in the process of using the credit card, it will be easily discovered by the system, and then the bank will focus on monitoring. This process is called risk control. Once the bank is controlled by the wind, it will send a text message to the cardholder. What should I do after receiving the risk control SMS?

What happens when a credit card receives a bank risk control SMS?

After risk control, the bank will take one or more risk management measures, including reducing the amount, stopping payment, freezing, settling accounts in advance, recovering/demanding the return of rights and interests and value-added services. The most common consequence is that the credit card limit is reduced. If the violation of personal credit card is serious, the bank will seal the card.

Major banks clearly stipulate that personal credit cards and credit card funds can only be used for cardholders' daily real consumption. In non-consumption areas, such as production and operation, fixed assets investment, equity investment, cash withdrawal, debt repayment, etc. Credit card funds may not be used in areas where consumption is prohibited, such as house purchase, securities investment, wealth management and other equity investment.

In the case of abnormal credit card swiping, the bank has a monitoring system, which can identify and judge the time, amount, place and transaction number of credit card swiping. If the credit card swipes abnormally, the bank will judge that there is a cash-out risk. If a credit card is overdue, banks generally have an overdue grace period (1-3 days), and if they can repay it on time, they will not report it to the central bank. However, if it is overdue for too long, it will not only reduce, but also seriously affect personal credit records.