Is credit card (debit card) promoting SMS fraud? You may not understand these things.

The credit card (debit card) promotional message you usually receive is true, and the possibility of fraud is extremely small, but the amount is difficult to reach 50,000 yuan. Because I work in a bank, I am familiar with the work of the credit card (debit card) center. The 50,000 yuan mentioned in the short message basically refers to the maximum amount that this credit card (debit card) can apply for. As for the specific credit card (credit card) that customers can finally get, it needs to be determined according to your occupation, age and credit report!

The most effective means to promote credit card (debit card) is SMS "bombing"

I usually classify it as spam and delete it directly, and put the number on the blacklist. Because I have many credit cards (debit cards), I think it can fully meet my daily needs!

Of course, in order to save labor costs, banks now outsource almost all credit card (debit card) promotion to third parties. How much commission will they get for successfully promoting a credit card (debit card)? Therefore, short messages similar to credit cards (debit cards) are generally not sent by bank customer service, but by other channels.

SMS promotes the advantages of credit card (debit card).

Why are credit cards (debit cards) rarely promoted by telephone, but by SMS? Many readers don't understand why. Here I will answer your questions one by one:

First, the cost of SMS promotion is extremely low. Because a large number of short messages can get many discounts, the cost of a short message may be only 0.0 1 minute, and it doesn't take much time to specialize in marketing; Moreover, the cost of calling is higher, not to mention that only one customer can be promoted at a time, and the efficiency can be said to be different from SMS!

Second, SMS promotes "hit the nail on the head". The credit card (debit card) promotion information sent by each bank is carefully thought out and scrutinized. How to win customers' hearts with shorter words is a science and the crystallization of team work. For example, congratulations on becoming a special guest user of our platinum credit card (debit card), "You are a VIP customer of our bank, and you can apply for more than 50,000 credit cards (debit cards)" and so on. Telemarketing is difficult to achieve this level, because each customer communicates with others in different ways, and even the most professional customer service staff can hardly gain something from a telemarketing. Telemarketing can be put in the follow-up aspect, but it is definitely not suitable for establishing a relationship with potential customers for the first time!

How did the promotion agency or bank get the phone number?

This problem is divided into two parts. You can see that there are two different types of credit card (debit card) promotional information. The first one is "Dear XX……", which means that the bank has known your real name in advance. You must have file information in this bank, and they have targeted marketing according to your phone number, which is also the most common way to promote SMS. The second type is "Hello dear customer ……", which means that the bank or credit card (debit card) promotion agency doesn't know your personal identity information, but just sends short messages in groups, because phone numbers are all composed of numbers, and there are always rules to follow!

The amount applied for does not match the content of the short message.

This is actually very easy to understand. The credit card (debit card) limit mentioned in general SMS is the maximum amount that can be applied for. Unless your financial situation is very good, it is difficult for you to apply for the maximum amount. Finally, the bank needs to get your authorization first, that is, receive your credit card (debit card) to apply, and then it will check your credit information. The actual overdraft limit of your credit card (credit card) can only be finally determined after the unified audit by the competent department. For example, the 50,000 and100,000 lines mentioned in the text message are just to seduce you. Don't take it seriously!

To sum up, the credit card (debit card) promotional messages we receive every day are generally true and effective, just to attract customers to exaggerate in language expression, and everyone can laugh it off. If it is too serious, it can only show that you are still very naive, "no shoes to wear"!