Industrial Bank Credit Card Received Risk Control SMS

The Industrial Bank credit card receives a risk control short message, prompting the user to use the card in violation of regulations, and the Industrial Bank will send a short message to remind the user. After receiving the SMS, the card is already in a risk control state. At this time, users can choose to contact Industrial Bank to inquire about the reasons for risk control, and then solve the problem according to the guidance of customer service. Only by actively applying to cancel the risk control can the credit card cancel the risk control status as soon as possible, otherwise the system will automatically cancel it soon.

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First, the content of short messages sent by banks is different and the degree of risk control is different.

1. Primary risk control SMS, there is transaction risk in your credit card, please use it in a standardized way. If it is not improved in the future, the bank will take relevant measures. This kind of risk control SMS is obviously the primary warning SMS of the bank, suggesting that the cardholder may have illegal credit card cashing behavior, but the bank currently monitors that the cardholder may be the first offender or the amount is not large, so a primary SMS warning will be sent first, as long as the cardholder stops this transaction behavior and regulates the credit card behavior, the limit will not be lowered.

2. Recidivism risk control SMS: Your credit card account is deactivated within 24 hours due to risk factors. This risk control message has basically confirmed that this card is about to be frozen and can't be used forever. Risk factors in SMS, if the cardholder has any objection, he can provide materials to the bank to prove that he is a compliance card. Once you miss the best opportunity to prove it within the specified time, the wind will freeze.

3. Abnormal risk control SMS Your account is abnormal. According to the risk control rules, we will suspend your credit card use. There are many kinds of account anomalies in SMS, including not only credit cards but also savings cards. According to the relevant regulations, if the account is abnormal and the transaction in the account set up by China Merchants Bank is abnormal, the cardholder will suspend the use of the credit card, which is beyond risk management after evaluation. But if the cardholder can prove that he is legal and compliant, it is more serious to initiate a complaint.

If you receive the above information, it is suggested to stop abnormal trading behavior, use the card normally, settle the bill in stages appropriately, brush more merchants who cooperate with the bank, and try consumption abroad if possible, which will help to increase the amount and points.