Content of short messages in loan fraud cases

Everyone is in awe of the personal credit information system of the People's Bank of China. Especially when buying a house with a loan, I will read the personal credit report carefully for fear that there is a bad credit record in the personal credit report.

When consumers buy a house with a loan, they may receive a short message from a bank: Dear Sir/Madam, your credit card has been temporarily frozen due to serious overdue, and the overdue record will be uploaded to the personal credit information system of the People's Bank of China.

If consumers receive this kind of short message at ordinary times, most consumers don't believe it. However, in the special period of buying a house with a loan, it is easy to panic when receiving this message. Moreover, the numbers that consumers can send such messages when they borrow money to buy a house are generally certified.

When buying a house with a loan, consumers will contact the bank, and the bank will inform consumers that they need to pay attention to the self-service center of a bank and cancel their credit records themselves. When consumers follow the prompts in a bank self-service center, they will find themselves cheated.

Consumers should note that no one or organization can change the personal credit information system of China People's Bank. Consumers who find wrong information in the personal credit information system shall give feedback to the People's Bank of China and correct the wrong information in the personal credit information system after confirmation by the People's Bank of China.