Hello! Excuse me, can the bank unilaterally send text messages directly to reduce the credit card limit of users?

Yes, since you have a credit card, you should also sign the terms of use of the credit card, including the clause that the bank can unilaterally adjust the customer's credit limit. As far as I know, Ping An Bank, Industrial Bank and China CITIC Bank all do this. For customers who don't swipe their cards often, reduce the fixed amount. It is euphemistically called controlling risks. After the quota is reduced, you can call customer service to ask for recovery. Generally no problem.