I received a short message from the Postal Savings Bank, saying that my 588,000 yuan advance loan is about to expire. What do you mean?

Never mind, because he wants you to borrow money to get this kind of message. You may have a credit card at the Postal Savings Bank. So the limit given to you by the bank is 58,800 yuan. In this case, you still need to bring your ID card to the bank to consult relevant personnel. Don't trust these short messages easily, or you will be cheated.

1. Pre-credit refers to the pre-loan amount (loan amount) granted by commercial banks or financial institutions according to the comprehensive qualifications of users.

2. Pre-credit line refers to the maximum loanable line approved by commercial banks or financial institutions according to the credit status of customers, for customers' reference.

3. The pre-credit line does not represent the actual down payment line, and the actual down payment line is subject to the system audit result after the customer applies.

4. China Postal Savings Bank was formally established on March 20th, 2007. It is a commercial bank established on the basis of the reform of postal savings management system. China Postal Savings Bank inherited the postal finance business operated by the former State Post Bureau and China Post Group Corporation and the assets and liabilities arising therefrom, and continued to engage in the business approved by the original business scope and business license documents.

5. Pre-credit line is the credit line given by the bank to users. For example, the credit limit of the card is 5000 yuan, and if you spend 5000 yuan with this card, you don't need to deposit any money in the card. This is a credit line set by the bank according to your personal credit status and repayment ability.

6. Assuming that the platform recognizes the user's credit, the loan needs to be withdrawn after it arrives, and the withdrawal time is limited. If it is not revoked within the time limit, the quota may become invalid and the user will have to reapply. However, the pre-credit line is not the actual line, although the line will change.

But under normal circumstances, it will not be invalid, so when users encounter similar reminders, they can consider whether the platform is specifically for marketing, or whether it is fraud itself. Users who want to apply for the quota need to fill in relevant information and wait for the platform to review. The platform will make a comprehensive evaluation according to the user's own qualifications and credit status, and then give the corresponding quota. Users will withdraw the credit line as soon as they get it. Remember to pay back on time after use, and don't be overdue. Otherwise, if they want to apply again next time, there may be risk control situations such as reducing the credit line or freezing the credit line.