The bank sends a text message every day, saying congratulations on getting the 500 thousand reserve fund. What should I do?

Recently, I have always received short messages from banks, with similar contents, either saying that I have obtained hundreds of thousands of credit loans, or that I have obtained hundreds of thousands of reserve funds, or that I have obtained a credit card limit.

Let me show you some recently received ones. First, ABC said that I had a comprehensive loan of 496,000 yuan.

Then came Industrial Bank, saying congratulations on becoming the preferred user of Industrial Credit Card, with a pre-approved quota of 45,000.

Then China is safe, and congratulations that I can apply for a reserve fund of 468,000 yuan, which can be borrowed and repaid in advance.

Finally, it was sent by the Industrial and Commercial Bank of China, and it gave me a reserve fund of 488,000 yuan, which can be borrowed and repaid in three years.

I think many people actually do the same, and receive similar information every day. This information is not really credit to users, but just an advertisement, similar to the advertisement above when we read the information on the mobile phone, saying that you have a "300,000 loan line", the main purpose of which is to guide users to click on it.

In fact, if they do, these banks need to re-check their credit status according to the actual situation of users, which is not what the text message really says. You should find that these short messages are almost a template, that is, to give a credit or reserve fund, the amount is generally around 500,000, because others may not be interested if the number is small, and the number is more eye-catching.

This kind of short message is a marketing advertisement from the bank. If someone happens to need a loan or apply for a credit card, they will contact the bank for advertising. If 100 people receive text messages and 5 people handle them, then the bank will have one more business, and the cost is only 100 text messages, so the marketing cost is relatively low.

65438+February 65438+March, official website of the Ministry of Industry and Information Technology publicly solicited opinions on the Notice on Strengthening Call Center Business Management (Draft for Comment). The exposure draft provides detailed regulations on strengthening access management, code number management, intervention management and business behavior management, so as to strengthen the management of harassing calls and protect the legitimate rights and interests of users.