Will it definitely be reduced after receiving a SMS notification of a reduction? One article to understand!

In the process of using credit cards, cardholders often receive various text messages from the bank, including text messages about derating. Many cardholders are worried about whether their credit cards will be deducted as the text messages say. If you want to reduce your quota, come to us for consultation. Will it definitely be reduced if you receive the SMS notification of the quota reduction? In fact, this is not necessarily the case.

Will the quota be reduced after receiving the SMS notification? In many cases, banks send text message notifications of credit reductions just to remind cardholders. It does not necessarily mean that the credit limit will be reduced. It mainly depends on the content of the text messages. For example, if the text message mentions that the cardholder should use the credit card for daily consumption, otherwise the limit will be reduced, the current situation will not be reduced immediately; if the text message mentions that the credit card has been reduced, the limit will be reduced. If it reaches a certain yuan, it will definitely drop. Although text message notifications of derating may not result in derating, banks do not send text messages indiscriminately for no reason, but are highly targeted. Cardholders who receive such text messages mostly trigger the bank's risk control red line. The main reasons for the credit card you hold to be under bank risk control are as follows: 1. The user's comprehensive qualifications are 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 cardholder's use of the card. Risks, such as if the cardholder adds a large amount of debt, has too many overdue credit records, bad debts, etc., and once the user's qualifications deteriorate, the bank is likely to reduce the credit limit in order to reduce risks. 2. The user's illegal card use behavior is serious. The banking system monitors the card holder's card use behavior in real time. Once the card holder does not use the credit card for personal daily consumption, but conducts virtual transactions to obtain cash, especially more than one or two If the credit card is used every time for a large amount, the bank will send a text message to lower the limit to warn the user to regulate the use of the card, or it will actually lower the limit and notify the user via text message. The above is the relevant introduction of "Will the derating be reduced after receiving the SMS notification?" I hope it will be helpful to everyone.