How to change the reserved mobile phone number of online loan?

What should I do if the loan reservation number is changed?

Friends who have applied for loans know that lending institutions will require borrowers to provide personal identity information, work information and financial information, as well as mobile phone numbers when handling loan business.

Especially when handling online loan business, the necessary condition for some lending institutions to borrow money is that the mobile phone number needs to be used for more than half a year. It can be seen that the mobile phone number also plays a very important role in handling loan business. So, can the loan be changed to a mobile phone number? How to change the phone number of a loan?

Recently, some netizens said that if the personal credit status is not good and the loan is rejected, then change your mobile phone number and apply for a loan again, which will make it easier to pass the loan review. Many people have doubts about this statement.

If the loan business is rejected, we can change our mobile phone number and reapply, but changing our mobile phone number will not have a direct impact on the loan approval, because our mobile phone number can reflect some of our daily habits.

However, because the mobile phone number is authenticated by real name, the users with the mobile phone number have not changed, and our personal credit status has not changed, so no matter how the mobile phone number changes, it will not affect the loan.

What if I change my number?

When handling loan business, the reason why lending institutions require borrowers to leave their mobile phone numbers is to enable lending institutions to contact borrowers at any time. Once the borrower is overdue, the lending institution will collect the mobile phone number left by the borrower.

If the mobile phone number is changed after the loan, the borrower may not be able to receive the repayment reminder SMS notification from the lending institution, and will not be able to receive the collection call from the lending institution after the deadline.

Therefore, if the borrower's mobile phone number changes after handling the loan, it is recommended to update the mobile phone number as soon as possible. If you don't know the update method, it is recommended to call the customer service hotline of the lending institution for consultation, and the customer service staff will teach you how to operate it. Some lending institutions support the application to modify the mobile phone number through the customer service hotline.

What is the impact of online lending on leaving other people's phone information?

In recent years, China's consumer finance has developed rapidly, and various softwares developed by consumer finance companies have appeared on the Internet. If there is a loan demand, users only need to fill in personal information on it, and some software will also ask users to leave several contact information. So what's the impact of lending and leaving other people's phone information online?

First, you may receive a lot of harassing text messages.

Because many consumer finance companies will disclose customer information, if you borrow money from such software and leave someone else's phone information, it may lead to the leakage of phone numbers, thus receiving a large number of harassing text messages, such as various loan advertisements. And sometimes the loan company will call their contact number and ask them if they need a loan or do some other sales promotion.

Second, it may lead to others being collected.

If you borrow money online and leave someone else's phone information, and you don't repay it in time, it may lead to the contact you left being taken away. Lending institutions will call the contacts they left behind, and sometimes they will call the contacts repeatedly, which will bring great trouble to the contacts. If the loan company is an illegal company, the collection agency entrusted by them may even have violent collection, and may send insulting pictures or text messages to the phone number they left.

Third, you may lose your reputation.

If you don't repay the loan in time, the loan company may call the phone number left by you one by one to inform them of the loan situation. This may lead to damage to your own reputation, or it may lead to cracks in your relationship with family and friends. If you need to borrow money again in the future, your family and friends may not borrow any more. Therefore, when borrowing money online, if you want to leave someone else's phone information, you need to be cautious and try to avoid harassing your friends.

How to modify the mobile phone number reserved for online loans?

Users can directly modify the reserved mobile phone number in personal identity information by logging in to the loan APP. However, users cannot modify the reserved mobile phone number by themselves. Users can call the customer service hotline of the online lending institution, and then ask the manual customer service to directly modify the reserved mobile phone number. The reserved mobile phone number of online loan is mainly used to receive SMS verification code. After the loan application is successful, the online lending institution will send a repayment reminder message.

Therefore, as long as the user passes the verification or repays on time, even if the reserved mobile phone number is changed, it will not affect the user.

Should I be responsible for loans overdue leaving a phone number?

You are not responsible. You are just an emergency contact, not a guarantor. You are not responsible for the lender's overdue debts, and you have no obligation to repay. If the collection company asks you for help in repayment or threatens you, you can call the police and take legal measures to protect yourself. However, it should be reminded that if you know your friend's loan and you also sign the guarantor column for his loan operation guarantee, then you need to bear the repayment responsibility. "My friend left my phone number for a loan, will I be implicated?" The introduction is very clear, so you can get to know it.

Can China Construction Bank modify the reserved mobile phone number online?

The reserved mobile phone number of CCB can be modified online, and the specific steps of using mobile banking are as follows:

1. Users enter personal information, log on to the homepage of mobile banking of China Construction Bank, and then find customer service options in the menu bar at the top of personal homepage.

2. Line operation.

3. Then, the user needs to click the security authentication mobile phone number, then enter the phone number, and click the button to get the mobile phone verification code.

4. Finally, according to the verification code displayed on the mobile phone number, the user enters this verification code into this space of the mobile phone verification code, and then clicks the Submit button to complete the modification.

Extended data:

ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1954+ 10/(later renamed as China Construction Bank on March 26th, 1 996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government.

The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country.

20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. [11] 2017 February, BrandFinance released the list of the top 500 global brands in 2065 438+07, and China Construction Bank ranked 14. [12] In 2018 years, Fortune Global 500 ranked 3 1.

20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd.

July 20 19 was selected as the Fortune Global 500. [16] The Belt and Road Initiative ranked 40th among the top enterprises in China 100.

20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100.

20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th.

On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award".

In March 2020, it was selected as one of the top 500 global brands in 2020 13.

Business types: credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.

Company size:

China Construction Bank has overseas branches in Hong Kong, China, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, Taiwan Province Province of China (Taipei), Hong Kong, China and the United Kingdom (London).

The introduction of the reserved mobile phone number for online loans ends here.