What is the meaning of ICBC's idle money SMS?

The bank has spare money, which means that you have good credit information and high credit qualification.

The bank trusted you and approved a credit loan for you to use at any time. As long as you repay the loan on time according to the regulations of the bank, it is not overdue. The bank is happy to cooperate with you. Honesty and trustworthiness do not violate the conscience of a person. The reserve fund prepared by the bank in advance can still come in handy at critical times and can solve urgent needs.