Credit card overdue SMS

What should I do if I have a credit card and always receive various dunning messages?

1. If you are a new mobile phone number, it will not affect you if you receive the overdue SMS notification from the last user on this number. If in doubt, it is recommended to consult the sending bank of overdue SMS.

Second, the main reason why the newly bought mobile phone number always receives bank dunning text messages is that the original owner uses this mobile phone number to handle loan business in the bank. If you want to change this situation, you can do this:

1. Contact the bank that sent the dunning information to the mobile phone number. Remember not to contact the phone number on the dunning SMS, but to call the official bank phone number. For example, CCB will call 95533, then ask the customer service to explain the situation, ask the bank to change the contact information of the original owner, or contact the original owner through other channels.

2. Cancel this mobile phone number.

You can go to the business hall to cancel your mobile phone number, and then buy a new number, so that this will not happen. However, it is best to explain the situation to the sales staff when handling the new number, and then find a better reputation or a new number.

3. Call 1232 1 to make a complaint.

1232 1 is the telephone number of the network defect and spam reporting center. Calling this number to make a complaint can block spam messages and harassing calls in your mobile phone.

Serious consequences of overdue credit cards:

1, resulting in overdue interest and late fees;

2. Bad credit record;

3. Banks will collect money and may face criminal problems.

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.

Is it true that the SMS sent by credit card is overdue? Pay attention to these matters.

When the credit card is overdue, the bank will send text messages, but many cardholders will also receive text messages sent in the name of the bank. This requires careful identification of the authenticity of short messages, otherwise their information may be leaked, and in serious cases, there will be economic losses. Let's have a look.

Is it true that the SMS sent by credit card is overdue?

1, pay attention to the SMS number. Every bank has a special SMS service number, which usually starts with 955. If the sender of the received SMS is a bank, but it starts with "00" before the official number, and the contact number is reserved in the SMS, then it is very likely that the scammer used the Internet to dial a fake number. It's best not to believe such overdue short messages and don't call the reserved number. If in doubt, call the service hotline of the issuing bank directly for confirmation.

2. Pay attention to the content of the information. Looking at the self-proclaimed in the short message, all the short messages sent by banks are self-proclaimed in the name of their own banks, such as a bank. Second, look at the requirements of short messages for cardholders. For example, some text messages say that the credit card has been frozen after the deadline. Click the link in the text message to log in and confirm the information; Or let the ATM machine transfer money to the designated bank card account for capital verification, prove the repayment ability and see if it meets the credit card unfreezing qualification.

3. Pay attention to the SMS link. Some card friends may feel curious, click on the link in the short message, and then they will go to a page similar to the bank website. They should pay attention to the information required on the website, such as providing bank cards, withdrawal passwords and verification codes, and close the website immediately. Regular bank websites do not require such private information. After all, this is related to the safety of funds.

Will the bank inform you by SMS if the credit card is overdue? Does this explain the bank?

The credit card has expired. Under normal circumstances, the issuing bank will inform you by SMS.

SMS mainly serves as a reminder, and not all banks will have this service. This situation is generally aimed at the cardholder's early overdue repayment behavior, which is usually 7 to 15 days overdue.

After discovering that the credit card is overdue, you must take the initiative to repay it in time, and you can't expect the bank's SMS reminder. Usually careless friends can also use some third-party platforms to remind them. Alipay, WeChat, etc. Generally, you can set up a credit card repayment reminder, or directly bind the savings card for automatic repayment, but you must ensure that the amount in the card is sufficient for repayment.

Extended data

Banks send text messages after the last repayment date, and many banks have a grace period of 1-3 days after the repayment date expires. During the grace period, if the customer receives the overdue notification SMS and immediately pays off the arrears, then the overdue records will not be reported to the credit information system, which means there is still room for recovery.

Of course, the specific conditions stipulated by each bank are different. For some banks, if customers receive bad information notification SMS, it means that bad information has been submitted to the credit information system or will be submitted soon, and there is no room for recovery, just notifying customers.