The limit starts at hundreds of thousands? Batch in seconds? Such text messages are very harmful, so don’t fall for them!

Friendly reminder!

Many cardholders have been hurt by such text messages. "Seeing the special invitation in the text message", they thought they could just fill in the information and apply for a high-end credit card worth tens of thousands of yuan. Unexpectedly, after applying, they were still rejected. Even after rejecting the invitation, he still sent a special invitation text message.

Continuous applications will not only fail to pass the review, but will also leave a record of rejection in the credit report, and more seriously, personal information will be stolen! What followed was constant harassment from various text messages and phone calls. What was even more outrageous was that they frequently sent text messages telling me that I had received a large transfer. I checked and it turned out to be a loan text message!

Take a look at the series of text messages above. Text messages starting with 106 are specially inviting you to apply for a card. Please be careful! Basically, they are not invitations from the official website to apply for a card, so don’t be too sentimental, haha

Of course, you can also try to unsubscribe from such special invitation messages! There is no need to unsubscribe from the ones sent by pseudo base stations. They are mobile operations and cannot be unsubscribed.

10 million SMS number database, one-click mass sending, one-click for you to apply for a card. The picture below is from the Internet. After reading the article, I immediately felt that I was "cheated"...

For example, when Mumu sees these text messages with words such as "Sincerely Invited", "Quota starting from It’s the end of the year, and those who are short of money and those who want to make money will be more aggressive. I am sending you a reminder again! These invitation text messages are actually divided into three situations. Let me give you an example. I hope there will be fewer text message routines and there will be fewer leeks in the world.

1. Bank’s special invitation card application SMS

Yes, banks will also send special invitation SMS, which is a marketing tool of the bank. However, those invited are generally high-quality bank customers, that is, second-card users. The bank system evaluates your previous card usage and thinks you are qualified to apply for a higher-level card.

For example, CITIC Bank will send cardholders a useless large platinum package with an annual fee of 2,000. Many cardholders will be fooled. Do not use platinum packages that do not match the benefits and annual fees. To apply, CITIC is here to collect everyone's 2000 annual fee; Bank of Communications invites you to apply for Bai Qilin. This has a special invitation text message, but the content of the text message does not explain the card limit. It usually displays clear card rights, card annual fees, etc., as follows picture.

The link starts with cc., not the short link that starts with http.

The format of a real bank invitation to upgrade a card application SMS is almost like this. Take CITIC Communications as an example:

CITIC Bank:

CITIC Credit Card Dear Customer: You The upgrade to our Platinum Card credit card service has been accepted. The annual fee is 2,000 yuan/year. The first-year annual fee will be deducted from your current account within one week from the date of successful upgrade. At the same time, we provide you with a no-reason cancellation service within ten days from the date of acceptance. If you have any questions, please consult the customer service hotline. I wish you a happy use of the card. (Only leeks can do it)

And Bank of Communications:

Mumu has never seen special invitation text messages from other banks... Everyone must keep their eyes open, special invitation The card is not a good card, and the annual fee and benefits must be balanced, right? When you see the special invitation text message, please say silently in your heart: Be sure to calm down!

2. Pretending to be a bank and sending a link to apply for a card

The text message you see inviting you to apply for a card has a link to apply for a card. After you click on it, it is indeed the bank’s link. It says special invitation and also says the quota. I really want to give it a try. Mumu reminds, if you want to try it, please go to the official website.

These so-called card application invitations are actually sent by groups of individuals/pseudo base stations. The cost of text messages is a few cents. If you send 1,000 card application text messages, you can get one new account to apply for a card, and you will almost make a profit. . And the cost of sending bulk text messages is also very low...it only costs 4 cents per message...

How did your mobile phone number get leaked to others? The information has been sold. If you are a new account of the bank and apply for a card via text message, the "operator" will receive a "commission" for the card application. Send thousands of text messages in groups, and earn back as soon as one person purchases the card.

In addition to personal card application links (recommended card application or channel providers from banks to promote card application), there are also recommended card application links from third-party platforms, such as some card management software, some card application Card software and some loan software generally have card application portals. After applying for a card through these channels, people do not download the card or exit halfway through filling in the information.

For such situations, the third-party software will screen the background data and send text messages to these users to "invite" them to apply for the card again. If you apply for the card as a new account, the platform will also get the "commission" from the new account.

3. Fraudulent text messages that collect your information

I haven’t encountered them yet, Mumu saw them in the news. I will give you a special link to apply for a card, with tempting words such as high limit and platinum card. The information you fill in after clicking is similar to the card application information, but these may also be collected and stolen, a gray industry?

There are also people who collect information and then sell it, but this is rarely used now. Especially if you get everyone's mobile phone text messages and just spend a little money to package them, you can take away several gigabytes of mobile phone numbers.

Some people also say that some powerful text messages will directly steal your bank card funds... I don’t understand this trick. I haven't encountered it either. People simply won't believe some text messages whose copywriting is of poor quality at first glance, right?

Are you all very disappointed when you see this? It turns out that I have given it sincerely. Every time I see the text message at the beginning of the special invitation, I open it instantly. I didn’t expect it to be a lie. Mumu receives no less than 4 such invitation text messages every week, and there are 3,000 unread text messages.

For the above-mentioned invitation text messages, you can simply ignore them in the future, because there are really very few special invitations sent by banks. There have always been special invitation text messages like this, and group friends often send "invited" text messages to the group to let the group friends confirm whether they are special invitations.

You will understand after reading this article. Come on....