If you don't have a loan but receive a repayment text message, be careful.

Recently, I saw many netizens reply on major complaint platforms: they didn't apply for a loan on a certain platform, but they received a short message asking for repayment.

First, seeing flowers in the fog has not arrived yet. I'm not worried that my credit will be affected, but I clearly remember that I didn't apply for a loan on the other platform, and it's definitely not practical to ask for repayment inexplicably.

It is understood that there are not a few netizens who have encountered similar problems.

Moreover, judging from the content of platform complaints, the amount is not large, generally around 500 yuan.

How can we correctly handle such a problem in the first place? Next, let's analyze it in detail.

First of all, when we receive a short message asking for repayment, we should check it according to the following four steps:

: Check the platform name and repayment amount required for repayment, and carefully recall whether you have applied for a loan recently. If the name of the platform is not impressive, then recall the repayment amount and see if there is anything similar. I don't remember, so I found the platform official website on the Internet and called the customer service hotline. But be careful not to click on the link and phone number in the short message, because the content in this link may be designed by the other party, and everything may be fake.

Read the short message carefully to see if there are any typos, similar words and traditional Chinese characters, so as to prevent others from pretending to be the platform name to ask you for repayment. For example, "everyone's loan" is written as "everyone's gold loan", "360 loan" is written as "36O loan" and so on. Similarly, don't click on the link in the text message. Even if you are not careful, you can't make any repayment through this link.

Pay attention to whether you have received a phone call from a strange number recently. If there is an incoming call, you can answer it next time. It may also be that a friend around you is on a platform in loans overdue, and the collection staff sends messages in groups. Similarly, don't help your friend pay back the money. Even if you intend to repay your friend, you can't pay the money to the collector.

If you confirm that you have not applied for a loan, but the repayment message is verified to be true, you should ask the customer service when it was handled and how much money you owe, and print a credit report in the bank. Then recall the time when you applied for a loan, and see if you have ever applied for installment payment, or if your family has used a mobile phone to handle business. If not, then this situation should be reported immediately.

Summary: Don't make any repayment before things are clarified, so as not to cause property losses.

Related questions and answers: How to repay after credit card borrowing? The main repayment methods of credit cards are as follows:

1. Bundle savings card for repayment. You can bind the credit card to the savings card of the credit card issuer, and the bank will automatically deduct money from the savings card when repaying.

2. Online Banking Transfer Repayment: After opening online banking and logging in, you can transfer money from your own bank account and enter the card number and password of the repayment credit card to complete online banking transfer repayment.

3, mobile payment platform repayment, Alipay, WeChat, and other mobile payment platforms all support credit card repayment, and credit card arrears can be repaid through these apps.

4. Automatic repayment, using UnionPay independent repayment equipment, such as Lacarra and PayPal. , you can use any bank debit card directly to make easy repayment.

Extended data:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

References:

Credit card-Baidu encyclopedia