Reply tIs unsubscribing a scam?

Have you ever received such a text message? There are a bunch of messages in front of Balabala, followed by the last sentence "Return T to unsubscribe". If you did reply to T, then you most likely responded to a scam text message.

Many people have tried to unsubscribe, but then received multiple text messages. Nine times out of ten, they contain links, and these links, as long as you dare to click on them and dare to deceive, range from a few thousand to hundreds of thousands.

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In the Internet age, the leakage of personal information is a Very common phenomenon.

No matter where we go, we need to register our names and phone numbers. At first glance, this information seems to be just to verify our identity, but if it falls into the hands of scammers, it will be the fruit of wealth.

The unsubscription mentioned above is actually to identify "active customers". If you reply, it means that the mobile phone number is real and valid, and the possibility of being deceived is higher than if others do not reply.

But just because you don’t reply doesn’t mean you can sit back and relax, because scammers will also advertise to get more people to participate in the scam.

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For example, there used to be a text messaging website on the Internet. If you have a lot of customer information and want to deceive them, you only need to pay 45,000 yuan to send 1 million text messages with fraudulent links.

If you don’t have a repository, that’s okay. You can pay an additional 30,000, and the website will send these 1 million text messages to their information database.

Don’t you think it sounds too tempting? After all, you have to pay tens of thousands first, and now people are not stupid anymore. How many of them will click on the link?

But do you know? In recent years, the amount of telecommunications fraud has increased year by year. In other words, in 2020, the police alone will uncover 320,000 fraud cases and dissuade more than 8.7 million people from being deceived.

800,000, can you say these people are stupid?

As times progress, so do scammers. In the past, swindlers were very simple. They opened and closed their mouths just to play for money.

Today’s scammers are so smart, they will find all kinds of excuses.

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For example, common ones are Most of them will be wary of loans in the bank's name and various official fines. After all, they are common scams.

But what if it is ETC supplementary information? A case was published in Shenzhen before. After someone received a similar message, there was a problem with his ETC card. He first thought of this information, added the information as required, entered his bank card number and password, and then was directly deducted 13,000 yuan.

For this reason, Shenzhen specifically states that all ETC services pushed in text messages are scams, especially links, so do not click on them.

Do you think this is the end of the scam? What's more, it will transfer the money to you first.

For example, there was a previous case in which a woman was told by a scammer that she had to compensate for lost express delivery. The original purchase was worth 40 yuan, but the scammer lost 500 yuan. Then, the scammer told the woman that she made a mistake and accidentally registered an account and needed to log out. Otherwise it would cost her thousands of dollars every month. The woman suddenly panicked, step by step, and was eventually defrauded of 400,000 yuan.

This 400,000,000 yuan includes half of her life's savings, as well as money she borrowed from everyone close to her.

And the initial payment of 500 to her was also a loan borrowed by the scammer in her name.

So the current scams are hard to guard against.

As for unsubscribing and returning to T, I don’t believe it. The first step in preventing fraud starts with refusing to return the "T".

Related Q&A: Are the debt collection text messages with unsubscribe and reply t real? If the debt collection text message received by the borrower contains the words "unsubscribe and reply t" at the end, there is a high probability that it is a fake text message sent in batches by some commercial platforms. This is because the starting number of text messages ending in this type of text usually starts with 106X, which is a backup number range of the three major operators and is specifically used for sending group text messages. Many lending institutions like to use number segments starting with 106X to send bulk text messages, so some criminals will take advantage of this loophole. A truly formal collection text message will definitely note the borrower's overdue amount, loan period, overdue days and other details. Some text messages may even note the borrower's loan contract number, etc. In addition to text messages such as unsubscribing and replying to t, if the borrower receives text messages such as "prosecution, court leaflets, uploading dishonest persons, freezing Alipay, and debit cards", there is no need to panic. These are basically false text messages. Unless the borrower has actually been sued by the lending institution, no one has the right to freeze any property of the borrower. Even if sued, the borrower will receive the actual leaflet stamped in the mail. Moreover, the freezing of property is usually carried out after the court has issued a judgment and is subject to enforcement. : Loan (electronic IOU credit loan) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline." 1. Loan safety is a challenge faced by commercial banks The primary issue; 2. Liquidity refers to the ability to recover loans within a predetermined period or to realize cash quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis for a bank's continued operations. For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, which is good for efficiency. However, if the loan period is long, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans. Repayment method: 1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same; 2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and at the same time pay off the last transaction day to this time. A repayment method that charges loan interest during the repayment period. In this way, the monthly repayment amount decreases month by month; 3. Monthly interest payment and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)) ), the loan accrues interest on a daily basis, and the interest is repaid monthly; 4. Repay part of the loan in advance: that is, the borrower applies to the bank to repay part of the loan amount in advance. The general amount is 10,000 or an integral multiple of 10,000. After repayment, The loan bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. 5. Repay the entire loan in advance: The borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures. 6. Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and the interest is calculated based on one day. You can settle the payment in one lump sum at any time without penalty. Related Q&A: What should I do if I receive an overdue text message that allows me to unsubscribe?

Don’t pay attention to the text messages. If it’s overdue, work hard to earn money to pay off the debt. Be patient with collection calls and text messages. Do not reply to text messages as if you have not seen them. Because doing too much affects your mood and your time to make money. Waiting to make money and have capital to deal with and settle debts all at once. Never touch a loan or credit card again.