How to identify and process bank risk control information?

First share some bank information received by card friends:

Tips of CITIC Credit Card: Credit cards are limited to personal daily consumption, and you need to swipe your card or withdraw cash through formal channels (there will be a fee for withdrawing cash). According to the regulatory requirements, banks have the right to take measures such as reducing the quota and locking cards to ensure the security of credit cards.

Tips for using credit card of CITIC Bank: In order to protect your legitimate rights and interests, you should use this card according to the credit card (personal card) contract of CITIC Bank. If it is violated, the card and points will not be used.

Dear CITIC credit card customers, according to the regulatory requirements, the bank may take measures such as reducing the credit card usage limit if the credit card, repayment or personal credit are abnormal. Here, I would like to remind everyone to standardize the use of cards, repay on time, and cherish their credit records.

Dear CITIC Credit Card customers, after monitoring, it is found that your credit card is suspected of cashing out, and the bank that illegally uses the card has the right to take measures such as reducing the credit limit and restricting the use of the card according to the regulatory requirements. It is hereby suggested to standardize the use of cards.

Dear credit card holders of Shanghai Pudong Development Bank, please pay attention to the standardization and security of the recent transaction mode of credit cards. Thirdly, credit cards can only be used for personal daily consumption. Thank you for your support of PUFA credit card. Shanghai Pudong Development Bank

Dear Pufa credit card holders, we are concerned about your recent abnormal credit card transactions. Please regulate your card use behavior and keep the recent credit card consumption transaction voucher. According to the credit card (personal card) acquiring contract of Shanghai Pudong Development Bank, the bank has the right to investigate and verify and take further risk management measures such as freezing. Remind you again that credit cards can only be used for personal daily consumption. Thank you. Shanghai Pudong Development Bank

Dear credit card holders of Shanghai Pudong Development Bank, recently, we found that your credit card has abnormal card use behavior during the transaction. Here's a reminder: Please standardize the use of our credit cards and keep all recent credit card consumption transaction vouchers. For customers who continue to use credit cards improperly, we will take risk management measures according to the credit card collection contract, including but not limited to freezing credit cards and suspending credit card business. Thank you. Shanghai Pudong Development Bank

Dear credit card holders of Shanghai Pudong Development Bank, your recent credit card transaction has been monitored by our bank because of suspected false transaction characteristics. If abnormal transactions continue to occur, we may re-evaluate your credit card limit in the future. Again, credit cards can only be used for personal consumption. Thank you for your support of PUFA credit card. Shanghai Pudong Development Bank

Let's teach you how to recognize the seriousness of this information and how to deal with it:

First of all, users who receive information have problems with their card habits for a long time and will not receive it because of a certain behavior. Even the adjustment depends on the behavior and habits in the last six months. Don't panic when you receive the message. Look at the official wording first.

Format 1: popular science+legal requirements (this is generally to remind users to learn the basic card use method)

Tips of CITIC Credit Card: Credit cards are limited to personal daily consumption, and you need to swipe your card or withdraw cash through formal channels (there will be a fee for withdrawing cash). According to the regulatory requirements, banks have the right to take measures such as reducing the quota and locking cards to ensure the security of credit cards.

Format 2: Look at the contract+remind (implication, some methods have violated the terms, remind again).

Format 3: Notice of finding problems+warning.

Format 4: Regulatory requirements+clear measures will be taken (only a matter of time, for example, Guangfa may take direct measures to directly reduce the quota).

Warmly remind the respected credit card holders of Shanghai Pudong Development Bank that your recent credit card transaction has been monitored by our bank as suspected of false transaction characteristics. If abnormal transactions continue to occur, we may re-evaluate your credit card limit in the future. Thirdly, credit cards can only be used for personal daily consumption. Thank you for your support of PUFA credit card. Shanghai Pudong Development Bank

Sometimes banks will send out some risk control information in response to regulatory requirements: it will generally appear in format 1 and format 2, and some will be ignored appropriately, such as the real estate industry.

After reading the information, check your card again and learn to see if there are any problems in the bill (take CITIC as an example).

1, long-term empty card, long-term unlimited, single amount is too large.

Solution: You can ignore the previous installment, slightly adjust the transaction amount, guess that it is best to change it, or add new products (generally consider changing or adjusting it once every six months).

2. Whether the payee has repaid (transferring money to the card from an account he has not been familiar with for a long time) should be more serious with reference to Article 1. For example, the line of 10000 has been erased for half a year or even longer. This kind of special concern is also the overall credit situation, whether the debt is too high, the bank is overdue, the online loan is overdue and so on. If there is such a situation, it is best to decisively divide all the points into stages and parts.

The solution, like 1, also has a minimum repayment amount. It seems that this problem will also appear:

Literally, it has been said very seriously. It should be that some behaviors have touched the red line, and CITIC's downgrade has never been soft, without any warning. If you receive this message, in addition to staging, you can consider interacting with your own mall, and then be very careful when repaying to prevent it from being occupied, and you can consider paying it back in batches.

Staging can cure all diseases, but many people may not be able to stage when they receive the information. What should we do?

Method 1: Call the bank, learn the mentality of communication and ask the customer service what the problem is. The general customer service will not say it directly, but talk slowly and beat about the bush.

Method 2: according to the preferences of different banks, vote for what you are interested in.

Method 3: Repay carefully, especially when the funds are insufficient. Try to catch the dragon in neutral, and pay back the big money with small money.

Method 4: Adjust the card usage from now on.

Generally speaking, banks risk control 1-2 times a year: three or more online loans will be reduced for three times, and will also be reduced after the reserve fund is used. Pudong Huaxia will not reduce it once, but will reduce it a little each time for several months, and the amount is not very high each time. Transportation and guangfa are generally in one step.

Banks with the strictest risk control: Guangfa, Transportation, CITIC and Ping An.

In recent years, Pufa, Xingye, Everbright and Huaxia have also joined in.

Generally speaking, the decline of the four major banks is rare, unless the card use situation is really bad and the business dealings of branches around the country are not close.