Is this downgrade warning message true?

Many times, banks send text messages to remind cardholders that it may not necessarily reduce the amount, but mainly depends on the content of the text message. It is mentioned in the short message that cardholders should use credit cards for daily consumption, otherwise the amount will be reduced, and the amount will not be reduced immediately; If the text message mentions that the credit card has been reduced to a certain limit, it will definitely be reduced.

Although the SMS notification may not necessarily drop the letter, and the bank does not send text messages indiscriminately for no reason, it is highly targeted. Most cardholders who receive such short messages trigger the bank's risk control red line and put their credit cards under the bank's risk control, mainly in the following situations:

1. The comprehensive quality of users is not as good as before. After all, after the credit card is approved, the bank will conduct post-loan management from time to time to check the risk of cardholders using the card. The cardholder added a lot of debts, and the overdue bad debts could not be recorded. Once the user's qualification deteriorates, the bank is likely to reduce the quota in order to reduce the risk.

2. The user's illegal card use behavior is serious, and the banking system monitors the cardholder's card use behavior in real time. Once the cardholder does not use the credit card for personal daily consumption, but cashes in a virtual transaction, especially if the large amount of credit card is swiped more than once or twice, the bank will send a text message to remind the user to standardize the use of the card. If it is true, it will send a text message to inform.