1069 is the collection message from China Everbright Credit Card?

When a user receives a loan reminder message that starts with 1069, he should first read the content of the message. Generally speaking, a formal short message for urging loans will clearly write the details of the user's loan contract number, loan date, overdue time, current principal payable, interest owed, penalty interest and so on. If these contents are included in the short message starting with 1069, it is basically true.

But in fact, many small loan institutions' collection messages are mass messages, and they all start with 1069. Because the numbers at the beginning of 1069 are based on the three major operators, users will be sent short messages in batches under the operation of the Internet and big data. Moreover, the number at the beginning of 1069 is commonly used by many collection personnel, so SMS collection is also a common collection method.

After receiving the loan reminder message, users should confirm whether they really owe money at the first time, and then they need to find a way to repay it at the first time. Otherwise, the overdue time is too long, which has a great impact on the user himself.

First of all, credit information may be damaged. As long as lending institutions access the central bank's credit information center, users' loans and overdue records will be reported to personal credit information, which is a serious credit stain. Secondly, the problem of penalty interest. The longer the overdue time, the more penalty interest users need to bear, and the repayment pressure will only increase, and it is easy to fall into a situation of inability to repay.