What should I do if Industrial Credit Card receives a risk control SMS? Pay attention to these things

Many forums have card friends posting that they have received a short message from Industrial Credit Card Risk Control. I didn't expect Industrial Credit Card, which is famous for its risk control, to be serious. Many cardholders don't know what to do. Actually, there's no need to panic. Check the cause of being controlled by the wind first, and then find a way to deal with it.

What should I do if Industrial Credit Card receives a risk control SMS?

According to the time when users post messages on the forum and receive risk control messages, most of them are concentrated in the afternoon, and they just remind daily consumer transactions to use credit cards. No one's credit card has been downgraded or frozen, which feels like Industrial Bank issued a mass notice.

In any case, since the bank has given some hints, something will definitely be done later, and we must not take it lightly. After all, risk control SMS may be aimed at cardholders with high debts, long-term minimum repayment and irregular credit card swiping, so it is best for cardholders who receive SMS to check whether their credit cards meet the risk control standards first, and then standardize the use of cards during this time.

For example, see if there are risky transactions, large consumption, or the behavior of swiping cards in the middle of the night. If so, it is best to use the card for real consumption in the future and swipe the card during normal business hours. The consumption amount should match the merchant type, and it is best to spend in the merchant type that has not been brushed before.

For those with high debts, it is suggested to print a credit report, in which credit card and loan liabilities are counted, and those with low debts should be paid back slowly first. If there is a large amount of credit card consumption, let's see if we can hide the real debt in stages.

At present, overdue ones, whether from Industrial Bank or other banks, must be returned quickly. If it is a credit card, don't cancel it after repayment, which can't eliminate bad credit. Use the card well within two years, repay it on time, and cover the bad records with new records.