What should I do if my Industrial Bank credit card is subject to SMS risk control?

Industrial Bank’s credit card received a risk control text message, indicating that the user was suspected of using the card in violation of regulations, so Industrial Bank will send a text message to remind the user. After receiving the text message, the card is already in a risk control state. At this time, the user can choose to contact Industrial Bank to ask the reason for the risk control, and then solve the problem according to the guidance of customer service. Only by actively applying to lift the risk control can the credit card be released from the risk control status as soon as possible. Otherwise, it will take a long time for the system to automatically lift it.

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1. Depending on the degree of risk control, the content of the text messages sent by the bank will be different.

1. Primary risk control text message, your credit card has transaction risks, please use the card properly. If the situation does not improve in the future, the bank will take relevant measures. This type of risk control text message is obviously a low-level warning text message from the bank, implying that the cardholder may have illegally swiped the card to cash out. However, the bank currently detects that the cardholder may be a first-time offender, or the amount is not large, so it first sends a low-level warning text message. The text message warned that as long as the cardholder stops such transactions and regulates card swiping behavior, the credit limit will not be reduced.

2. Repeat offender risk control SMS Your credit card account will be deactivated within 24 hours due to risk factors. This risk control text message has basically determined that this card will be frozen and permanently unusable. Risk factors in text messages. If the cardholder has objections, he or she can provide materials to the bank and prove that he or she is using the card in compliance with regulations. Once the best certification opportunity is missed within the specified time, there is a risk of freezing

3. Abnormal risk control SMS: There is an abnormality in your account. According to the risk control rules, our bank will suspend the use of your credit card. The account abnormality in the SMS refers to a wide range of types, not only credit cards, but also debit cards. According to relevant regulations, if there is an abnormality in the account due to abnormal transactions in the account set up by the cardholder at China Merchants Bank, and if the assessment exceeds risk management, the use of the credit card will be suspended. However, if the cardholder can prove that he is legal and compliant, he can initiate an appeal. big.

If you receive the above text message, it is recommended to stop the abnormal transaction behavior, use the card normally, make appropriate installments of the bill, and pay more merchants that cooperate with the bank. If conditions permit, you can also try overseas consumption. Credits and ratings are helpful.