How long can Pufa receive risk control SMS? You can judge like this.

Since 202 1, many cardholders have received risk control messages from Shanghai Pudong Development Bank, fearing that they will be downgraded. In particular, there are many cardholders whose quota is not high. If it is really reduced, it is estimated that there will be no quota available. However, it is not necessarily that Pufa reduces the quota by sending text messages. Of course, this situation is not ruled out, but how long Pufa can receive the risk control SMS will be judged according to the content of the SMS reminder.

How long can Pufa receive risk control SMS?

Pufa has five levels of risk control, and different levels of risk control messages have different contents.

Like 1 level risk control, the content of SMS is to remind you of the standardization and safety of trading methods, and use credit cards for daily consumption. This short line can be seen as a simple reminder, many of which may be news sent by banks in groups and will not be easily reduced.

Like the second-level risk control, the short message content is a consumer voucher that prompts the existence of abnormal card use behavior. This kind of short message has warning significance, indicating that the cardholder's card-using behavior has triggered the bank's risk control, and the cardholder's card-swiping behavior has begun to be concerned by the bank and may be reduced. However, if the card is used normally in the future, the probability of reducing the quota in the short term is not great.

Like the third-level risk control, the content of SMS is to prompt the existence of abnormal card use behavior, standardize the use of cards, keep all consumer transaction vouchers, give early warning of subsequent improper card use, and take risk control measures such as freezing and terminating credit cards. Within 3 months after receiving the SMS 1, the amount may be reduced.

Like the four-level risk control, the content of SMS is to remind credit cards of false transactions. If you don't pay attention to using the card, the bank may re-evaluate the card amount. This degree is more serious. It is very likely that the amount will be reduced the next second after receiving the text message, or it will be reduced as soon as it is repaid.

Like level 5 risk control, there is abnormal transaction in SMS content, and credit card use is suspended. This short message credit card has stopped, so it doesn't matter whether it is reduced or not. Even if it is not reduced, it is useless to use the card.

The above is the related introduction of "How long does Pufa receive risk control SMS". . In short, the cardholder must check the risk control level after receiving the risk control SMS, so as to roughly estimate the possibility and time of being downgraded.