What is the reason why banks send text messages to remind them to use credit cards regularly?

The reason why the bank sent a message to remind us to standardize the use of credit cards is because the customer had bad card use behavior before, which led to an increase in account risk, so the bank gave a risk warning.

Pay attention when using the card. It's best to swipe your card in a big store, not a small one, because if the POS machine is not regular, it is likely to jump the code, which will further increase the risk of the account and the bank is likely to control the risk.

In addition, there are suspects of cashing out, such as swiping cards from the same merchant and the same POS machine all the time, swiping cards during normal business hours of non-merchants such as midnight and early morning, and often swiping large amounts. Such risky operations should also be avoided.

When the customer repays, it is best to pay off in full, not always the minimum repayment amount. After a large amount of consumption, you can properly handle the staging (but not frequently), and the staging time should not be too long. Generally divided into 3 to 6 periods.

Eight rules for expanding information and using credit cards correctly:

Rule 1: You must cherish your credit limit and never default on the bank's money, because the bank's money can't be delayed for a minute. It is better to pay back the money earlier than to owe it to the bank. If the credit is delayed, the credit will decline, which will cause a lot of trouble.

Rule 2: When applying for a card, the cardholder should not apply for a high credit card just because he has a car and a house. If they don't contribute to the bank, the bank won't give you a high credit card at the first time (except in special circumstances), and the high credit card will gradually increase according to your credit rating and card usage.

Rule 3: Try to control your own consumption, and try not to withdraw cash by credit card or invest with the money in credit card, because the interest and handling fee of credit card withdrawal are high, and it is ok to make money by investment. In case something goes wrong, how can I pay back the money in my credit card?

Rule 4: the money in a credit card can be used in many ways, not just a project; Usually develop a good habit of swiping cards, regardless of the amount, but it is best to swipe cards less or not, or you can stage them appropriately, which will help to increase the quota.

Rule 5: Don't trust to handle the promotion or intermediary of high-value credit cards at will, which will be risky for credit cards and will also cause information leakage and theft.

Rule 6: It is recommended that cardholders apply for cards early and raise cards early, and they will not remember until they have no money, so banks generally will not handle them for you.

Rule 7: When you meet the right opportunity, you should handle it well. Don't be too picky about choosing a bank, because you missed a reasonable opportunity and may not meet the requirements when you want to apply.

Rule 8: Credit card repayment, cardholders must learn to use a variety of repayment methods. If there is a problem with the usual repayment method, the cardholder can try another repayment method, which can avoid unnecessary credit problems.