What should I do if I receive the risk warning message of Industrial Credit Card? How to deal with it? Look here.

Industrial credit card is a better card, and the risk control is also relatively loose. Many card friends have received risk warning messages from Industrial Bank, prompting them to use credit cards for daily consumption transactions. Does this mean that Industrial Bank will also reduce cards in large quantities? How should cardholders respond? Let's have a look.

I have to say that the risk control SMS of Industrial Credit Card was sent in a sensitive period. After all, the second-generation credit function should be activated in May. In order to screen the risky users and reduce the non-performing rate, Industrial Bank will manage the cardholders after lending to understand the credit status and liabilities of the cardholders.

Therefore, there may be these reasons for receiving the risk control SMS of Industrial Credit Card:

1. It may be that the credit report is overdue, including not only Industrial Bank, but also other banks. In addition to credit cards, it may also be a small loan for credit information;

2. The loan and credit card liabilities shown on the credit report are relatively high. For example, if the monthly average repayment exceeds 80% of the monthly income in the last six months, the bank will think that the cardholder's funds are relatively tight and the risk is relatively high.

3. If the number of hard inquiries about the credit report exceeds three times within half a year, that is, due to credit card application, loan application, guarantee qualification examination and other reasons, it will also be considered as a risk customer who continues to turn over credit cards and small loans.

However, Industrial Bank did not take any action except issuing risk warning information, and no cardholders' credit cards were reduced. However, it should not be taken lightly, especially for cardholders with poor credit information, overdue and long-term empty cards. In the near future, it is best to standardize the use of cards, repay on time, and don't spend a lot. If possible, it is best to optimize credit collection, such as debt reduction.