Do I need to reply to withdraw money to buy a reminder message?

Generally speaking, there is only one situation to look at, and other situations do not need to be ignored.

Second, the specific analysis

This is the case.

1. I do have a loan in my name, and the repayment is really overdue.

2. The collection SMS is indeed sent from the repayment date.

3. The collection content is only to remind the current repayment failure, how much should be paid back, and make up as soon as possible to avoid overdue.

Seeing such a short message, the borrower does not need to reply, but only needs to make an inquiry and deposit enough funds into the loan repayment bank card in time. Generally, the loan bank will automatically make up the deduction. You can contact the loan bank by phone.

For example, for the loan of Bank of Communications, the system will initiate three deductions on the repayment date around 03:00-05:00, 18:00-20:00 and 2 1:00. If the balance of three deductions is insufficient, subsequent deductions will be initiated at the same time every day. Therefore, after receiving such reminder messages, you must deposit enough repayment funds in time.

As long as you find: Beijian Quick Check, you can find your own online loan big data report with one click, which will contain your credit rating score, blacklist and other important data.

3. What kind of collection message can be ignored?

Ignore the group sender.

1. Collection SMS with the words "unsubscribe back to T" at the end.

Most of these short messages start with 106X, which belongs to mass short messages of some commercial platforms and is very likely to be fake.

2. SMS without loan contract number, repayment amount, overdue amount and other loan details.

This kind of collection message can't even tell the content of the collection clearly, it will only create momentum. Nature is not trustworthy, not to mention paying attention to avoiding being cheated.

3, threats, intimidation, abuse and other violence to collect text messages.

No matter whether the borrower really fails to repay the loan within the time limit, the content of this collection message is illegal. If the borrower feels that his safety and reputation have been damaged, he can call the police directly without making any reply.