The "bank" credit card invitation text message contains so many tricks!

After many friends apply for a credit card, they will receive card application invitation text messages from various banks. They are either "quick approval" or "high limit", and they also come with web links, which look quite similar. That's what happened. In fact, this kind of text message that seems to be a bank inviting you to apply for a card is actually not from the official bank. In order to obtain referral rewards, credit card holders of a certain bank obtain the mobile phone number through some means and then send a group text message to invite others to apply for the card. .

The reason why there are such "unofficial" text messages is because in order to pursue the volume of card issuance, many banks often offer incentives for invitations to apply for cards. Therefore, as long as you click the link after receiving the text message, you will be successful. By applying for a credit card and activating it, they can receive corresponding referral rewards.

For example

China CITIC Bank successfully recommends 2 people to get 200 yuan credit card credit, and 20 people can get iPhoneX. According to the current price of iPhoneX, as long as it attracts 20 new users, each new user will be worth at least more than 300 yuan.

This kind of SMS invitation to apply for a card is just to get the recommendation reward. If we actually click in and fill in the information to apply for the card, it will not have a great impact on us. At most, we will not be able to apply for the card, but our credit will be checked again. The credit limit is not high, and it is not just a platinum card.

In addition to the text messages inviting people to apply for a card, another type of text message that cardholders receive most frequently is the text message asking them to raise their credit limit!

It is still in the name of the bank, but this kind of text message is The links in the text messages are actually phishing websites that use the information you fill in to obtain your personal information and password, thereby achieving the purpose of stealing your funds.

How to avoid being deceived?

1. Identify by number

Each bank has its own official phone number, such as 95588 for Industrial and Commercial Bank of China and 95588 for Agricultural Bank of China. 95599, CCB is 95533. If it is not an official text message, then the authenticity is doubtful.

2. Identify by website address

Industrial and Commercial Bank of China is icbc, Agricultural Bank of China is abc, China Construction Bank is ccb. If the link you click does not even contain the bank’s abbreviation, then It must be a phishing website.

Since the above two identification methods have the possibility of being deceived, if the received text message contains unknown links, the best way is not to click on them. If money is involved, it is best to go through the bank first. The official website, APP, customer service, etc. verify the authenticity of the information.

The above is the secret of the credit card limit increase text message I brought to Jintou Credit Card today. Friends, do you think it’s “higher”?

Disclaimer: The operational suggestions in the article only represent the views of a third party and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Trade accordingly at your own risk.