CITIC Bank credit card seal notification SMS, there are these precursors!

I heard from many friends around me that I applied for a credit card of CITIC Bank, but I saw the short message of the credit card suspension notice of CITIC Bank, so I don't know what this is about, and I don't know whether this short message is true or not, so let's follow it and make a good analysis.

China CITIC Bank Credit Card Stamp Notification SMS

The short messages sent by banks are generally divided into three categories: mass sending, early warning and risk control. Among them, mass sending may remind cardholders to use the card safely, and the early warning may be due to the cardholder's card swiping problem. If the cardholder continues the current operation, it may be downgraded, and the risk control SMS will generally point out the clear object in the SMS, indicating that the cardholder has corresponding card use problems. It is recommended not to swipe the card in large quantities at this time.

Moreover, generally speaking, a high probability of receiving the early warning message will lead to the risk of card jam, and the risk control message is expected to be downgraded, which may lead to overdue.

Generally speaking, credit cards are blocked for the following reasons:

1, the credit card limit is used up at one time: after the card is processed, the credit card limit is used up at one time, so the bank will think that there is cash withdrawal, which increases the risk of card closure.

2. Repeated overdue: the cardholder is overdue for many times or fails to repay the minimum repayment amount for many times, and may be stuck.

3. Large credit card limit: It is recommended that the credit card limit should not exceed 50% of available credit cards, otherwise it may be downgraded or blocked.

4. Card use time: Usually, the card use time will be during the day. If it is in the middle of the night and the credit card is large, it may be subject to bank risk control.

Ok, that's the answer to the question "CITIC Bank Credit Card Stamp Notification SMS", I hope it's useful.