Today, I suddenly received the SMS verification code from ICBC, but I don't have an ICBC card at all. What happened?

95588 ICBC sent a message. Is it true or not? It depends.

1. If the account has been operated before sending the message and is consistent with the operation information, it is true; If there is no operation, the message sent is false. It is recommended to delete.

2. Fraud messages like this often occur, so pay special attention. We can't believe that there are certain loopholes in the banking system to a certain extent just by looking at the correct figures. If it is not maintained in time, it will increase similar risk events.

The specific process of the loan:

1, apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the bank's customer service consultation or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents.

2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link.

3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant.

4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval.

5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

Only when handling credit business in China Industrial and Commercial Bank (ICBC) can you inquire, print personal credit reports and view your own credit reports, or you can use the online credit registration window of the People's Bank of China or the Credit Information Center of the People's Bank of China. You can go to any branch of China Industrial and Commercial Bank for consultation.

It should be noted that personal credit information is very important, which may bring some inconvenience to daily life. Online merchant bank loans will also affect personal credit information. Now the whole network is exchanging needed goods, and all the data can be found. If the online loan is not repaid on time, it will also affect the personal credit report and will also be recorded in the credit report. If it is an online loan, you can also borrow from the bank, provided that the customer's personal credit information is good and there is no overdue record, otherwise it will also affect the approval of bank loans and the bank will not lend. Whether to use online loan products has nothing to do with whether to obtain bank loans, but the loans overdue record in personal credit report is the main reason that affects the approval of bank loans. Relevant surveys show that whether banks lend has nothing to do with whether they use online loan products. Unless there is something wrong with the customer's personal credit report, the customer fails to repay the loan on time and has an overdue record. At present, in the customer's personal credit information, online loans have been included in the scope of loan approval, and will be comprehensively considered with the liabilities of other assets to judge whether to lend.