The card didn't leave, but I received a credit card reminder message from the bank! What should I do first? The bank must have made a mistake,

Hold the bank card to the nearest bank counter and ATM for inquiry, access and other operations, or swipe your card at the nearest merchant and keep the receipt. This step is very important to prove that the bank card has always been in its own hands, and the other party uses a fake card to trade, and the bank is responsible. At the same time, call the customer service phone of the issuing bank, clearly inform the customer service that the card has been stolen, and ask the bank to stop paying and freeze the bank card. Go to the police immediately. Negotiate with the bank and ask the bank to take full responsibility and compensate.

1. Industrial Bank is one of the licensed commercial banks in China and has the qualification to legally issue credit cards. In recent years, the number of credit card holders has increased rapidly, so the overdue rate and bad debt rate of credit cards are also increasing. Therefore, the risk control department of Industrial Bank has strengthened the management of cardholders' cards. Dear customers: In order to avoid affecting your credit card limit and remind you of the standardization and safety of the recent transaction mode of Industrial Credit Card you use, please use the credit card only in daily consumption transactions. Receiving such a short message proves that you have touched the bottom line in the process of using the credit card, which has attracted the attention of the bank's risk control department. If you don't change the card swiping action, the credit card limit will be reduced or even blocked. But don't worry too much about receiving this kind of text message. Think of it as a warm reminder and a little warning from the bank.

Second, fast-forward and fast-out. Cardholders spend or use most of the credit card immediately after full repayment on the repayment date. This operation makes the bank think that it is a cash-out behavior and immediately control the risk. Going in and out, brushing out a large amount after a large repayment, or even using up the quota is also a big taboo. It is suggested that the single consumption should not exceed 40% of the quota and 80% of the quota at most, and 20% of the quota should be reserved. Otherwise, the bank will think that the cardholder is short of money and question your repayment ability, which is not only difficult to raise the amount, but also the risk of being reduced or blocked. More in and out, the same card, try not to swipe more than 3 times a day, and the time interval between swiping cards should be more than 2 hours.

Third, the time of swiping the card, the business hours of most businesses are basically between 8: 00 and 22: 00, and swiping the card at other times is abnormal, except online shopping. The credit card limit is not an integer or the same number, which is irregular and irregular. Avoid brushing a lot of decimal points, there are too many numbers on it. Even real consumption will touch the bank's big data risk control. The number of credit cards, with a monthly consumption of 20-30, is large and the real consumption amount is small, which will be recognized as quality customers by banks. 1-2 Every month, large sums of money will be considered as cash customers by banks.