Received a call for loan replacement

Why the landline at home will receive a bank loan

The reasons why the landline at home will receive a bank loan are as follows:

Big data applications of the current network It is extensive and includes information such as the identity phone number of many people. Once this information gets into the hands of a loan company, they will often call you and send text messages in the name of the bank to induce you to get a loan.

So everyone must first confirm whether the call is really from the bank, because many people pretend to be banks and sell loans after gaining your trust. You can judge it from the phone number. For example, a bank's phone number is a five-digit phone number starting with 9 plus an area code. Moreover, banks generally do not take the initiative to call customers to provide loans, but customers take the initiative to come to the door for loans.

I received “loan” calls for no reason. Where did these numbers come from?

I don’t know if you have such a similar experience. I often receive some “loan” phone calls and loan text messages for no reason, saying, “We are a loan company on the XX platform. Do you have any funding needs in the near future? ?”, or directly say, “We have detected that you are a high-quality customer of our company, and you can directly apply for a loan of XX yuan from our company.” Similar calls are received almost every day.

Then the question is, many people will say, I have obviously never applied for any loan, and I don’t need a loan at all. Why do I always get calls from various loan platforms when I have done nothing? Where's your phone number?

First of all, we are now in the era of big data. A lot of information can easily be revealed, such as your actions such as playing on WeChat, Weibo, and browsing the web. These are screened by big data. , many loan platforms can use technology to view various information, then filter it, and then call to inquire one by one.

Second, there are many websites and APP software now. When browsing these websites or downloading APPs, you need to register and log in. At this time, many apps can read your address book, so naturally your information will be It was leaked. After all, there are many websites and app software that are not very formal.

Third, loan companies or intermediary companies cooperate with some channels, such as housing loans, then they may cooperate with real estate agencies, property companies, etc., or some intermediary companies will also cooperate with banks to provide bulk loans. You can buy a list locally, but the information on the list is generally invisible and can only be inquired by calling. After all, buying a list or leaking customer information is illegal.

The fourth is to go to the relevant app or loan company platform to apply for a loan. At this time, the loan company will call you to ask if you need it. Maybe you just ordered it out of curiosity, but The loan company's backend can see the relevant data and will assume that you have a loan need.

The above four points are probably why you often receive various loan calls, so don’t mess with irrelevant websites and apps. You only need to download and register a loan app, and then the relevant loans Companies can all know your information. In the era of big data, personal information can easily be leaked.

Of course, don’t believe similar loan advertisements, and don’t be tempted by these marketing advertisements. If you really have a need for funds, it is recommended that you try to consult a regular loan company.

Why do I often receive phone calls from banks recently?

It may be a sales promotion or your information has been stolen.

1. Promotion: Nowadays, the problem of user information leakage is very serious. Even if you have not applied for a loan before, as long as you have had online behavior, it will be recorded in the network big data. This information can easily be used by criminals to trade, so you will often receive various promotional advertisements for applying for credit cards and loans. If users are not interested, they can set up to reject these calls or text messages.

2. Theft of information: If the user has not applied for a loan, but the information has been stolen by others, and now if the other party is overdue, the platform will definitely collect it, and naturally it will always receive Telephone.

There is also a similar situation, that is, when someone applies for a loan, they leave the user as an emergency contact on the loan application form. Now the platform's collection is also to learn about the latest developments of the borrower from the emergency contact.

:

1. Consequences of overdue bank loans

1. Penalty interest

Each lending institution has different regulations. If it is overdue, penalty interest will accrue, that is, a certain percentage of interest will be charged on the basis of the original interest. The longer the period, the higher the fee.

2. Adopt collection methods

If the overdue period is long, the loan institution will send staff to collect the debt. Financial institutions generally will not use violent collection methods, but it will also cause harm to personal life. There will be a certain impact, so it is recommended to repay the loan as early as possible.

3. Impact on credit reporting

As long as the lending institution has access to credit reporting, bad records will be left after overdue credit reporting. If the circumstances are serious, not only will you be included in the list of dishonest persons subject to enforcement, but it will also affect many future businesses, and you may even be restricted from leaving the country and cannot take airplanes, high-speed trains, etc.

4. Depends on the forbearance period of the lending institution

Currently, most lending institutions consider humane aspects, firstly, in order not to quarrel with customers, and secondly, in order to recover the arrears. . Generally, a grace period of 3-5 days will be given, and some bad records will only be recorded after the grace period expires and the loan is not repaid. Some lending institutions will clearly tell the lender that there is a forbearance period for repayment, while some lenders will not clearly indicate that there is a loan forbearance period. When a loan is overdue and exceeds the forbearance period, it will be subject to a credit report. Therefore, how long the loan will be overdue depends on the loan institution's forbearance period.

2. Can overdue bank loans be laundered?

No! You can often see advertisements on the Internet that launder credit reports. Those are all scams. Don’t believe them. Currently, there are still No one can modify the central bank's personal credit record without authorization. If you want a good credit report, there is no other way than to pay back your money on time.