Is the SMS credit of ABC reliable?

The pre-credit amount sent by ABC SMS is real, but it is not necessarily the real loan amount.

Pre-credit 3 of Agricultural Bank of China refers to the estimated loan amount given by Agricultural Bank of China after comprehensively evaluating the credit status and repayment ability of customers, but this amount is only a preliminary estimate, not a real credit amount. If the credit line is to be revoked in the future, it is often necessary to conduct a more rigorous review again.

Credit line is a reusable loan fund provided by banks or other lending institutions. You can only mention the credit limit, and you should make it clear when borrowing.

Second, the "bank" sends you a text message and gives you hundreds of thousands of credits. Is this information credible?

If you believe this information easily, that's the beginning of trouble.

I believe many people have received similar information: Dear a bank customer, our company grants you RMB 198000 yuan, which will expire in a certain month, and can be used for daily consumption, house decoration and business congestion. Please check the interest rate back to 65,438+0, apply for 2, and unsubscribe from T:

Some people will be excited when they see this message, especially those customers who need money badly, but then they think, "I don't have a car or a house. Can the bank really give me so many credit lines?"

Indeed, it is impossible for the bank to give you so much credit easily. The reason why I received this short message is just a marketing tool for banks or some lending intermediaries to spread their nets widely:

There are two subjects who send such messages, one of which is a bank. Although the Ministry of Industry and Information Technology has clearly strengthened the management of harassing calls to protect the legitimate rights and interests of users, everyone is sending it. No matter whether it is a big bank or a small bank, there is always a feeling of "losing money" when they see others making money but not themselves, for fear that potential customers will be taken away by other banks.

Users who don't need a loan will ignore this information directly, but there will always be several potential customers when sending the 100 message, and these potential customers can bring benefits to the bank, including but not limited to loan, imprest, bill installment and other business types.

Generally, the credit lines reflected by short messages are relatively large, ranging from hundreds of thousands to hundreds of thousands. The credit line is so small that no one cares at all. Only writing a larger credit line can attract people's attention.

But the so-called large quota is not your real quota, but a "template". You can also calculate with your toes. Whenever a bank gives a credit line to a customer, it must go through credit inquiry, asset analysis and stability analysis, and the credit inquiry must be authorized by the customer. The bank has no right to inquire without authorization, and the bank is unaware of the assets. How can it easily give you a higher credit line? This is tantamount to fantasy.

It is undeniable that if you really contact the bank through this short message, it is indeed possible to get money, but it is definitely not such a large amount. It may be just tens of thousands of loans, or even a credit card with a limit of several thousand yuan.

What's more, because the credit information is not good, or you can't provide effective asset mortgage and guarantor guarantee, you can't get anything in the end.

In fact, the success rate of this kind of casting net is extremely low. Imagine that among all the users who received the SMS, some people were not short of money at all, and some with good qualifications applied directly to the bank. Only those who are really short of money but suffer from the lack of financing channels will be "rushed into the hospital" and eventually recalled because of credit problems and asset problems.

Although the success rate of obtaining customers is extremely low, the cost is not high for banks. It usually takes only a few cents for a successful customer to recover the cost.

Except for a few banks that send such messages, most of them are not sent by banks, but by some lending agents.

Take the message I received above as an example. Although advertised as "a certain bank", it is not issued by a bank at first glance. The biggest loophole is that consumer loans and commercial loans are confused, the bank's loans are clearly divided, and the interest rates and repayment methods are very different. Even banks often have two departments, which are responsible for consumer loans and commercial loans. How to unify credit 198000?

This obviously wrong information can basically be judged to be sent by some loan-helping intermediary companies. If you reply to "interest rate inquiry", someone will call you next and ask you to provide all kinds of identity information and asset certificates, and then take these materials to help you apply at random.

There are three "danger points" for customers. First, personal information, identity information and home address are exposed, endangering the safety of personal information; Second, intermediaries will apply indiscriminately, which will eventually lead to too many records of credit inquiry and "spend" credit information; Third, you will be labeled as a "customer in urgent need of money", and then your mobile phone number will be transferred to other intermediaries, and people will send you text messages and call to promote various loan businesses, which is unbearable.

Of course, as the saying goes, all the noise is beneficial. The intermediary will not provide you with free financing. Generally, they will charge a "handling fee" ranging from a few points to dozens of points, and even do not rule out the situation of "beheading". Calculated, the financing cost is much more than going directly to the bank.

One thing that needs special attention is that if the intermediary simply helps customers apply for loans to earn fees, some of this information is directly followed by links. Be sure to remember that SMS links with unknown topics must not be clicked. This high probability is information, which will make you pay all kinds of "deposits", "withdrawals", "expenses" and "proof of repayment ability" through step-by-step induction. In the end, not only can't you borrow money, but you can't afford it. This happens often, so don't click on any links easily.

Finally, if there is a real demand for funds, you should go to the bank outlets for consultation. Don't take the bait easily to save trouble, it's too late to regret it afterwards.

When you encounter this kind of short message, just hack it or block it. In the long run, it will be recognized as a "non-potential customer" by the organization, or think that this mobile phone number is useless. Over time, the probability of receiving this message will be greatly reduced. Accordingly, the more you reply, the more and more information you will receive, which is simply unbearable.

Dear xx Bank customers, our bank may be limited by the fact that your 1000000 line will expire on X day, which can be used for daily consumption, house decoration, business emergency, interest check return 1, processing return 2, and unsubscribing return T.

I believe many people have received such messages, but every time they receive such messages, they are really happy and angry.

Fortunately, many people feel very proud when they suddenly see that they can apply for such a large bank loan. It turns out that their conditions are so high that banks think highly of themselves.

I was angry that when I saw such a large loan amount and replied to the interest inquiry, I received a phone call immediately. On the phone, some staff members enthusiastically gave you various promises.

But when you actually go to the scene to handle it, you will find that these hundreds of thousands of millions of quotas are all bluffing, and most people can't borrow money from the bank at all. Even if you can borrow money from the bank, it can't be so high.

I have worked in the credit industry for many years and I am too familiar with this marketing routine. This can clearly tell you that nine times out of ten, short-term projects like this are all made by some intermediaries, not banks at all.

First, the marketing of banks is strictly regulated. If the bank doesn't know everyone's mobile phone number, it is illegal to send messages to everyone casually. Users will never dare to do such illegal things again when they complain about the bank.

Second, banks are very strict in auditing customers and are very cautious in doing things. It is impossible to tell users how much credit you have. Credit will be granted only after the bank has reviewed it, so it is impossible to give you credit first.

Third, even if some banks send similar text messages, it is impossible to give an accurate quota, and it is generally a vague quota.

Moreover, when a bank sends a similar text message, it is definitely not selling a loan, but a credit card, and it is a credit card installment or temporary quota, or a reserve fund.

Fourth, if a bank sends a similar message, it will generally send it through a regular channel number, usually the official customer service phone number of the bank or the special SMS channel of the bank. It is impossible to send it to everyone through some messy news numbers.

Therefore, everyone's mobile phones receive such a large number of loan text messages, and nine times out of ten, they are sent by some intermediaries, and they are sent in groups.

Some existing loan intermediaries are very bad. They collect customers' phone numbers through various channels, and then market customers in a needle in a haystack. Their operation method is generally divided into several steps.

First, collect customers' phone numbers through real estate agents, the Internet, or institutions responsible for registering business information for everyone, or other financial institutions.

As for how they got the phone number, you don't have to ask too much. Now that information has no privacy, many intermediaries can easily buy phone numbers from some institutions.

Second, they will cooperate with some professional third-party SMS platforms. These third-party SMS platforms generally cooperate with Unicom Telecom, but they can integrate the resources of these operators into one platform.

Through these third-party SMS platforms, everyone can send messages in groups, thousands or even hundreds of thousands at a time.

When cooperating with these third-party SMS platforms, there must be a signature at the beginning, which is the xx Bank we have seen. If it is illegal to have no signature, it is generally impossible to send it.

Therefore, many intermediaries pretend to be a bank and distribute loans to promote information everywhere, which is illegal in itself, but some third-party SMS agencies also turn a blind eye. As long as there is no regulatory intervention, they still push it to you unscrupulously.

Third, after sending a short message through a third-party short message platform, you will be given three choices, one is to view, the other is to handle and the other is to unsubscribe.

If the customer happens to have a loan demand, someone may reply to the relevant digital consulting loan, so that the loan intermediary can screen out the accurate customers from the system, and then assign these numbers to some telemarketers to call for promotion.

Fourth, after obtaining accurate customers, these loan intermediaries will invite customers to talk about specific things, but they will not take customers directly to the bank, but go to their own offices, and then talk to you about the specific situation, and then choose the appropriate lending institution according to your own actual situation.

What kind of lending institution will be chosen in the end depends on the actual situation of customers. If customers have high income, real estate as collateral and good credit information, they will naturally recommend customers to go to the bank for loans, and then charge a certain handling fee.

However, if the customer's conditions are general, such as no collateral, less income, or even overdue credit information, it will not give up easily. They will still recommend their customers to some private lenders or companies, but in this case, they will charge a high agency fee, which may reach 10% or even more than 20%.

In fact, these intermediaries illegally collect customer information for marketing, which is illegal in itself and infringes on everyone's privacy information. According to the requirements of China's current regulatory authorities, this kind of illegal behavior is the key target, so loan intermediaries have obviously converged in recent years.

However, some loan intermediaries are still desperately trying to escape supervision by constantly changing SMS channels.

If you receive this message, I suggest that you don't apply easily and apply for a loan through an intermediary. In addition to bearing higher interest, you have to pay a very high intermediary service fee.

According to the current actual situation, this intermediary service fee is charged according to the points of the loan amount, generally ranging from 2% to 20%. If the intermediary agencies charge a service fee of 10%, it is equivalent to giving them a service fee of10 million yuan to borrow from the bank, even higher than the interest of the bank itself.

More importantly, there are many loan intermediaries that are very informal. He may recommend customers to some private lenders or lend them his own money, and then let customers take the house as collateral and sign some unequal contracts with customers.

After the customer's loan expires, if it is abnormal, it will charge a high penalty interest, which may reach 1% a day. /kloc-if you don't pay it in 0/00 days, your house is theirs.

Therefore, if you want to borrow money, I suggest you handle it through formal channels, and don't easily believe in some crooked SMS marketing.

I just used the credit line of Agricultural Bank of China, which is about150,000. It's convenient to return it if you borrow it. I didn't believe it at first either. I went to the sales department and asked for 4.7 interest. Other banks also have10-500,000 credit lines, but I have never used them.

I don't know if it's true or not. Never mind. Nowadays, liars are full of tricks and scheming. If you ignore them, you won't be cheated.

If you really want a loan, go to the bank yourself.

Of course, it is credible that banks engage in money transactions. It pays the cost of capital and has to lend it to make money.

At present, many enterprises can't get loans even if they want to. Enterprises are legal persons, and most of them are limited liability companies in the case of insolvency. Lending is risky. If they win the lawsuit, they still can't get it back. So now banks are most willing to lend to individuals who have passed big data screening and then granted credit. You can usually afford the amount of credit, which is not enough to make you feel guilty.

You think banks are blind. Now under big data, everyone's identity information, three meals a day, daily life and income and expenditure level can be clearly understood through big data, and there must be more than hundreds of thousands of bank deposits that can receive hundreds of thousands of credits. People who don't have deposits can't receive such messages. Some small companies will see that you often have tens of thousands of WeChat. He will give you two thousand or five thousand. To put it bluntly, it's all about doing business to make money.

Never believe it!

I just received two short messages two days ago, one from ICBC and the other from Ping An Pratt & Whitney. The content is as follows:

Why do we often receive such news? Because our information leaked.

No matter whether you have bought a car, a house, a bank loan, or registered a member with your mobile phone number on which platform, your information may be leaked. Once your information is leaked, you will often receive similar marketing messages.

There are so many short messages that many people will believe that some people just need money, so some people can't help clicking in. Click in. What's wrong? There may be two problems. First, you got the quota, but it's not as high as the text message said. Second, you get a higher quota, but the real interest rate is not what they call interest rate, but all kinds of expenses, such as service fee, insurance premium, guarantee fee and even beheading interest, which actually belongs to the category.

I once made a sum of money through short-term credit, which was safe and inclusive. At that time, the interest rate was seven or eight points. In fact, the annual quantitative interest rate is close to 36%.

When you realize that you have been cheated and beaten, you don't want to use the money. Sorry, you have to use it for a while to return it. Worse than this, your information may be leaked again, and your credit information may be greatly affected. Because, whenever you apply for a credit card or online loan, you will check the credit information every time you apply. Moreover, after you apply for online loans, it is difficult to apply for loans in regular banks.

100% This short message was not sent by a regular bank. It's just a means of commercial propaganda. In order to make money, many channel providers send text messages to users in groups. Where does the user data come from? Most of the user data are bought, and some of them are stored on their own platforms.

Why did they send such a message? Because the profit of the financial industry is very high, the cost of a short message is only a few cents. As long as a person clicks on the successful application, he can earn a lot of profits. It is precisely because of the high rate of return that this kind of mass texting is crazy.

Although the cost of sending short messages in groups is not high, it costs money after all. Then why are people willing to send text messages to users in groups? We can simply calculate an account: if the cost of a short message is 0.02 yuan, it will cost 200 yuan to send 10,000 short messages in groups, and as long as only one person receives the short message, the recipient will get a profit of 200-3,000 yuan whether applying for a credit card or a loan.

The input cost is naturally for profit! The same is true for mass texting, so don't take a marketing message for granted and be complacent. The best way is to delete it directly.

I hope it helps you.

This depends on personal circumstances. If your credit information is good, there will be a limit in any bank. First of all, you need to see if the person who texted you is a real bank person. Most of these short messages were sent by loan intermediary companies. They are all casting a big net. When you contact them, they will ask you to check your qualifications. Everyone is different, but everyone receives the same text message.

If it is really a short message sent by the bank, it is basically a pre-authorized amount, and the specific amount can only be issued after the system has passed the examination. If your credit information is not very good, there are many online loans and credit cards, and the basic amount is not large. Because in the eyes of banks, you lend thousands of dollars to prove that you are seriously short of money. In order to avoid risks, banks generally don't give you too much credit.

Banks don't usually send such messages. Banks have a white list system, but this white list is generally for telemarketing people inside the bank. In recent years, banks have clearly divided the loan departments, including personal credit department, corporate credit department, small and micro business department (small and micro enterprise credit and mortgage loans), mortgage business department and so on. They also need performance, so there is a white list, which is also for people in various business departments.

I hope it helps you. Also, if you really want to know how much money you can bring, you can pull a credit report first and I'll help you look at the situation.

1000000000% is not credible.

I get these messages almost every day, one after another. If you have a firm belief, you won't be cheated!

Those were sent to you by pretending to be banks. In fact, it is an advertisement sent to you by a loan consulting company. You have to pay a handling fee to get a loan from them.

3. What should I do if I don't apply for an agricultural bank card and receive a credit message from the Agricultural Bank?

Ignore him. This is usually a fraudulent text message. Remember, don't reply, just delete it, and nothing will happen.

4. Is it reliable to apply for a credit card after receiving the SMS from ABC? I have a mortgage in China Agricultural Bank. ...

Agricultural Bank loan and credit card belong to two kinds of loans. Let me introduce the application conditions to you respectively:

Information and conditions required for mortgage loan of Agricultural Bank of China:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The basic conditions for handling the credit card of Agricultural Bank of China are: at least 18 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. It is not difficult to apply for a bank credit card as long as you have no bad credit record in the past and good financial proof.

If you meet the basic conditions, you can apply. There are three main ways to apply:

1. With the application of official website Bank, you can first check the functions and characteristics of various cards, select the card you apply for according to your own needs, and fill in the information online. After the audit, the bank will mail a new card and get it to the counter for activation.

2. Apply through the bank counter. When you go, you'd better call the customer service first to ask what application materials you need, and then go when you are ready, which saves a lot of trouble.

3. Through the bank staff. Some business promoters took the initiative to go to the company and set up stalls on the street. Before you apply for a card, you must first confirm whether the other party has qualified documents. This is an act that requires money. It is free to apply for a credit card.