Is it true that CITIC Credit Card sends a mass message?

Here we take three short messages sent by China CITIC Bank as an example:

The first kind:

The second type:

The third kind:

We won't read much about the third type of risk control SMS here. The bank has pointed out that it is you, and you have TX behavior. All you have to do is standardize the use of cards!

The wording of the first two short messages seems to be euphemistic, so many card friends interpret it as a mass message sent by the bank to all cardholders, reminding everyone to standardize the use of cards, not to themselves.

Don't be so naive, mass mailing is also selective. Since the bank sent it to you, it means there is something wrong with your card method!

What is the basis for banks to send text messages?

The bank's reduction or sealing of the cardholder is not an operation of picking out all illegal card users at once, but a selective operation.

After all, if all cards are reduced, the overdue rate will definitely rise sharply, which is not conducive to social stability. In fact, every once in a while, banks will pick out some users who don't follow the rules and have high debt ratio, and reduce the amount of cards used by these people.

If you receive the risk control information, it means that you have not swiped your card properly in the past 3-6 months, or the debt ratio continues to rise. Usually the bank will not reduce your credit card immediately, but will observe you for a period of time.

If there is no improvement during this period, then the result will certainly not be too good.