Why did consumer finance send me a message immediately?

What's wrong with consumer finance SMS?

If your mobile phone receives a short message about consumer finance, it is probably due to the following reasons:

1. Before surfing the Internet, customers have logged into some loan platform websites or paid attention to the advertisements of the loan platform, so they became the target customers of the platform and were sent many short messages recommending loans. In this regard, customers with financial needs can try to apply for loans after the invitation of the platform.

2. I did borrow money from a loan platform. The message was sent this time because the repayment date is coming, so the platform reminds customers not to forget to repay; Of course, it is also possible that the customer borrowed money and didn't pay it back. The platform sent a dunning message, and it is estimated that it will call.

3. The customers' relatives and friends all borrowed money, and then regarded the customers as emergency contacts for their loans, leaving their contact information. The loan platform can't contact each other, so it naturally finds customers.

4. The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility.

Why did you receive the verification code of financial SMS immediately?

Because you usually leave your mobile phone number or someone maliciously left it for you, you will receive this message immediately. I got your mobile phone number from other sources. It is also possible that your mobile phone number has been used by others before, because the mobile phone number left by the last person is what you use now; Or someone else accidentally filled in the wrong mobile phone number.

① Why do you inexplicably receive the verification code of instant consumer finance?

If you don't apply for immediate consumer finance but receive the verification code, it may be because the user information is leaked and taken to online loans or criminals use SMS to cheat. Once the user enters the verification code on the pushed website as required, it is likely to cause financial losses.

It is suggested that if you want to apply for a loan, you should go through official channels, such as loan app, official WeChat official account and official website. In addition, to protect personal privacy, don't disclose your ID number and mobile phone number to others.

② What's the matter with receiving consumer finance loans for no reason and immediately overdue?

1. Just because the user didn't apply for a loan immediately doesn't mean that his relatives and friends around him didn't. If the other party leaves a contact number when applying, the platform will also send a reminder message. When the platform collection is confirmed to be true, it can help the borrower to solve the problem, or directly explain the situation to avoid being harassed again.

2. Phishing websites. In order to cheat users' information and funds, many illegal websites will pretend to be various platforms to send collection messages, taking advantage of users' fear of overdue to cheat. Don't pay attention to this situation, and don't click on the link sent by the other party, which will easily lead to information leakage.

3. The user's personal information was stolen, and I don't know if I applied for a loan immediately. This situation may also happen. In particular, people who are close to themselves have applied for registration after obtaining the personal information of users. It is suggested to explain the situation to the platform in time and call the police if necessary.

③ What happened when I received the short message of consumer finance?

If a user registers a consumer finance account, consumer finance may occasionally push advertising messages to guide the user to apply for a loan. The user applied for a loan in consumer finance. In addition to advertising text messages, he will also receive text messages reminding him of repayment. In case of overdue, he will also receive a reminder message. Therefore, as long as the user registers a consumer finance account, it is possible to receive SMS.

If users feel that SMS will affect their daily life, they can choose to intercept SMS or directly cancel their consumer finance accounts.

Why does consumer finance always send messages when there is no loan immediately?

Instant consumer finance has no loans and has been sending text messages to users. It may be that the user has registered an account for instant consumer finance, so instant consumer finance often pushes loan messages to users. Users can directly delete such short messages, or choose to use software to block such short messages, so that they will not receive loan promotion short messages or loan advertisements in the future.

For users who have registered real-time consumer finance accounts, they can choose to keep their accounts if they need loans in the future. If there is no loan demand, you can directly cancel the loan account. After the account is cancelled, consumer finance will not send text messages to users immediately. When someone applies for a loan for instant consumer finance, if they fill in the wrong mobile phone number, the SMS verification code may also be sent to the user's mobile phone.

In short, as long as the user confirms that he has not applied for a loan of instant consumer finance and has not applied for a loan approved by instant consumer finance, receiving advertising messages can be ignored directly.

Why do you receive SMS notification of consumer finance?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. ?

2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and making phone calls. , but learn to distinguish the authenticity of the repayment message received.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank card number and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the killer to deal with fraudulent text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving a similar message, if the user is not sure whether it is true or not, he can go to the court to check.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also distribute information in the official rent and broadcast it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.