Do I need SMS verification code to apply for a credit card?

Banks and other financial institutions will not require the verification code received by customers' mobile phones. If the so-called official customer service personnel ask the mobile phone owner for the verification code, they can be directly judged as fraudsters. Don't disclose personal credit card number, password and other information to strangers at will. SMS verification code is the last line of defense for the security of funds in bank cards and cannot be easily disclosed.

Not all short messages can be sent on the bank's official short message service platform, which needs to follow certain rules and undergo strict examination and approval. Credit card telemarketing short messages often fail to meet the trigger conditions of short message promotion. In addition, due to the complicated application process and long approval time in banks, business departments such as bank credit cards and consumer finance generally do not use official customer service marketing.

These short messages are a kind of telemarketing behavior of banks and do not belong to the official release channels of banks. Behind this short message is the marketing behavior initiated by the bank credit card center and other related business departments. The purpose of mass marketing SMS is to guide a certain proportion of customers to the official credit card application page and attract more people to apply for bank cards.

Extended data:

Jiangsu Anti-Fraud Center reminds the general public that when receiving a text message similar to "credit card is frozen", they should check with the official customer service of the bank at the first time, or confirm at the counter of a nearby bank. Never contact the phone number given in the text message directly.

Don't click on various links in short messages at will, because Trojan virus may be hidden in them. If you accidentally click on the link, there will be an interface for entering the card number and password, not to mention personal information.

According to the relevant person in charge of the Jiangsu Anti-Fraud Center, in the credit card freezing scam, the "frozen" text messages received by the victims are all false information, and the ultimate goal of the scammer is to defraud the victim's bank card information.

Generally speaking, this scam is that the scammer first sends the false information that "the overdue repayment of the credit card is frozen" through the pseudo base station, and then if the victim calls the "unfreeze" phone reserved in the short message, he will take the victim's credit card number, password and verification code on the grounds of unfreezing. After obtaining this information, the swindler can easily steal the victim's bank card.

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