What does the notification limit in ICBC SMS customization mean?

The notification limit in the short message customization of ICBC refers to the marketing of the bank to users in order to develop its business. If necessary, you can call the official customer service of ICBC (95588) or log in to the mobile banking APP(3.3.2) to find out whether there is an official notice. Users are advised to pay attention to two points when receiving similar short messages:

First of all, don't click on the link at will. It is best to verify whether the information is true through official channels.

The second is that the notification amount is not the real approval amount, but a preliminary evaluation of the platform or a means to attract attention. Whether it can finally pass the examination and approval, the amount of examination and approval is uncertain, depending on the user's comprehensive credit conditions.

If you are sure that your credit card is overdue, first check whether you have paid the minimum repayment amount before:

If the minimum repayment amount is paid, relax first, and the rest is to pay the rest quickly. Because the interest has already been generated, it can be repaid more, which is safe.

If you haven't paid back at all, or haven't paid back the minimum amount, then what you have to do is:

1. Call the bank and say all kinds of reasons (find your own reasons, the more real and touching the better) and ask if you can give me an extension.

If you are lucky enough and have a good record of previous consumption and repayment, the bank is likely to give you a certain grace period, but don't feel wronged if the bank doesn't give it to you.

2. Whether there is grace or not, you should repay the loan as soon as possible, and you can pay more, for the same reason.

3. Check your credit report when you are free in the future, and know your credit history fairly well.

This card should be kept for at least 24 months. As long as it is in normal condition, there is no need for actual consumption. As for why, please continue to read below.

The credit blacklist will not always follow the borrower and can be restored. According to the Regulations on the Management of Credit Information Business, the retention period of personal bad credit records of credit information institutions is five years from the date of termination of bad behavior or events, that is to say, those that have exceeded five years should be deleted, provided that the loans need to be paid off. If the loan is not paid off, the bad will certainly not be eliminated.