What is the reason for receiving the Industrial Credit Card Risk Control Warning SMS?

Industrial credit card is a better card, and the risk control is also relatively loose. Recently, many card friends have received risk warning messages from Industrial Bank, prompting them to use credit cards for daily consumption transactions. What is the reason for receiving the risk warning SMS from Industrial Credit Card?

1. It may be that the recent credit report is overdue. This includes not only Industrial Bank, but also other banks. In addition to credit cards, it may also be a small loan for credit information.

2. The loan and credit card liabilities shown on the credit report are relatively high. For example, if the monthly average repayment exceeds 80% of the monthly income in the last six months, the bank will think that the cardholder's funds are relatively tight and the risk is relatively high.

3. If the number of hard inquiries about the credit report exceeds three times within half a year, that is, due to credit card application, loan application, guarantee qualification examination and other reasons, it will also be considered as a risk customer who continues to turn over credit cards and small loans.

However, at present, Industrial Bank has not taken any action except sending risk warning messages, and no cardholders' credit cards have been reduced. But it should not be taken lightly, especially for cardholders with poor credit information, expired cards and long-term empty cards. In the near future, it is best to standardize the use of cards, repay on time, and not spend a lot of money. If possible, it is best to optimize credit collection, such as debt reduction.