The bank sent me a text message saying that my credit card transaction was abnormal and there was a reduced risk. What should I pay attention to in subsequent use?

Banks send text messages to remind credit card transactions that there is a risk of credit limit reduction, which is caused by long-term misuse of credit cards, or it may be that the risk control is strict in the big environment, and a large number of users will be reduced their credit limits innocently. In fact, as long as the credit card is not sealed, there is still room for operation, that is, it needs to be properly improved in future use.

During the use of credit card, don't overdue repayment. Often banks will think that cardholders do not have the repayment ability, which will reduce your credit limit and even freeze your credit card. So try not to exceed the time limit during use, even if it is one day. In order to prevent yourself from forgetting to repay, you can set the repayment alarm clock one day in advance.

Abnormal credit card transactions will also have an impact. If you swipe your card or record suspicious transactions in high-risk areas, banks may reduce their credit lines in order to avoid risks. For example, during the late night to the early morning, when there are many transactions or large withdrawals, banks will also reduce the credit card limit.

Improper cashing of credit cards in violation of regulations, such as multiple withdrawals in a short period of time, frequent swiping of cards on POS machines of special merchants, repeated swiping of credit card limits in a short period of time, etc., will reduce the credit limit. Although the management of credit card cashing has been relatively loose, it does not mean that banks really turn a blind eye, especially in a strict regulatory environment, banks will have stricter risk control over credit cards. Once the illegal cash withdrawal is found to be true by the bank, it will be more troublesome, not only to reduce the credit limit, but also to require the cardholder to repay in full in advance and recover the right to use the credit card.

These are some common reasons that may lead to lowering the credit card limit. Since the bank sent a message to remind you that you have violated the rules in the process of using your credit card recently, the bank has been eyeing you. Therefore, try to improve the habit of using the card and bring it back slowly, and the credit limit will be increased accordingly.