What should Pudong Credit Card do if it receives a risk control SMS? The solution is here.

It is said that the risk control of Shanghai Pudong Development Bank has been tightened, and many card friends have received risk control messages from the bank, fearing that the bank will downgrade their cards. In fact, this also depends on the level of risk control. There are five levels of risk control in Shanghai Pudong Development Bank. Different levels of risk control SMS have different contents and different control measures for credit cards. You can judge the level of risk control by comparing short messages, and then take corresponding solutions.

first step

Still relatively loose. The short message sent by Shanghai Pudong Development Bank is mainly to remind cardholders that the transaction method is not standardized. In order to avoid affecting the credit limit of credit cards, cardholders should use credit cards for personal consumption.

Don't pay too much attention to receiving this kind of text message. Of course, normal consumption is best.

assistant

This level of risk control SMS will remind the cardholder that the system detects that the cardholder's credit card transaction is abnormal, so that the cardholder can keep the transaction voucher in addition to standardizing the use of the card.

If you receive a text message with this content, please find out if there is a proof of consumption, so as to respond to the bank's spot check at any time. If you don't have a proof of consumption, you should use your card carefully.

The third stage

This level of risk control SMS directly tells the cardholder that there is abnormal card use behavior during the credit card transaction. In addition to asking cardholders to standardize the use of their cards, they are also asked to keep all credit card consumption vouchers, and then warned that if they continue to use their cards improperly, their credit cards will be frozen or their credit card business will be suspended according to the credit card contract.

In this case, the cardholder must quickly find out all the consumption vouchers. If there is no one, there may be risks. The bank will provide proof of consumption by phone or text message at any time. And the subsequent use of cards should be standardized.

The fourth stage

The content of the short message directly warns the cardholder that the bank has detected a suspected false transaction in the credit card. If the card is used again, the bank may have to reduce the amount.

After receiving this short message, friends who want to cash out should use their cards slowly and normally, pay back on time, and pay less in large amounts. It is very important to swipe your card during normal business hours, and the amount of swiping your card should match the type of merchant.

Fifth floor

The content of the short message directly tells the cardholder that the bank has suspended the use of the credit card due to abnormal account use.

It's almost hopeless to receive this kind of text message. If the bank seals the card, it will not be unsealed easily. If you owe money, close your account quickly. It's no use keeping unused cards, and there may be an annual fee.