Is the credit card application SMS true or false?

Experience

The three text message links all point to the bank’s official website.

The sending number of the first text message is 10692549527280, and the content of the text message is: [XX Bank Credit Card]. Congratulations on obtaining our platinum card qualification! The procedure is simple, the amount is high, and there is no annual fee! Let /EBfeSM unsubscribe on the official website and return to T.

The sending number of the second text message is 106914010172, which has only 12 digits, but also starts with 1069. The message content is: XX Bank Credit Card congratulates you on obtaining the XX UnionPay Gold Card qualification! No annual fee for high amounts, cash withdrawals nationwide! Ask /DRrTja to unsubscribe and return to T on the official website.

The sending number of the third text message is: 106923157935506, and the content is: XX Bank invites you to apply for the XX Bank Platinum Credit Card, you can enjoy a limit of 50,000 yuan, and enjoy a 50% discount on card purchases! Click /Ru88v15 to apply, unsubscribe and return to t. After clicking the link, you will enter the bank's credit card application page, which has sample cards and introductions to various cards. Judging from the domain name, this page is also the official application website of the bank's credit card center.

Visit

Why don’t banks send text messages on official platforms?

For example, among the major state-owned banks, the official customer service hotline of ICBC is "95588", and that of China Construction Bank is 95533; among joint-stock commercial banks, the official customer service hotline of China Merchants Bank is "95555", Shanghai Pudong Development Bank is "95528", and CITIC The bank is "95558".

In addition, some banks’ credit card centers and wealth management centers also have official SMS account release platforms. These numbers are highly correlated with official customer service numbers and are easy to identify. On some brands of mobile phones, text messages sent through the above channels even directly display the bank’s official logo and avatar after authentication.

Why don’t banks use official SMS service platforms to promote such complex, long and suspicious credit cards with numbers starting with 1069?

Why don’t banks use the official customer service SMS platform to send? According to insiders, the bank’s official text message service platform cannot send all text messages and must follow certain rules and undergo strict approval. SMS messages for credit card sales often fail to meet the triggering conditions for official push messages. In addition, due to the cumbersome application process within the bank and the long approval time, bank credit card, consumer finance and other business departments generally do not use official customer service marketing.

Spread the secret

Get a credit card. The agent charges a commission of 100 yuan.

How much will the bank pay to acquire these customers? Teacher Deng said that when banks calculate commissions for channels, they do not have multiple assessment dimensions. The most important thing is the number of new customers who ultimately successfully apply for a credit card. If the bank's original credit card customers successfully apply for new cards in this way, they will not be counted in the "workload". At the same time, banks must assess the total volume of transfers. He remembers that the cooperative bank's channel assessment for his work at that time was based on a certain number of clicks. Every time he successfully applied for a new card, the bank paid 100 yuan; if the number of clicks exceeded the limit, the commission for a single card would be increased to one More than 120 yuan.

Internal company

Sending text messages by number segment generally does not involve specific information.

Many citizens are worried about receiving such text messages because banks have leaked their personal information to third-party text messaging platforms. Teacher Deng said that there is no need to worry too much about privacy leaks, because from what he understands, the bank only opened the official website link to the platform and did not share customer names, mobile phone numbers and other information. The SMS platform sends group text messages according to the mobile phone number range, and sometimes selects a specific area according to bank requirements, such as a certain province or city, but the platform does not know who the owner of the mobile phone number is, nor does it know whether the number is valid, just like people often receive Same as cold calling.

Reminder

Don’t click on the link to open it easily.

Since these bank card information are real sales, can you feel free to click on them at will? Zheng Dong, a senior bank card professional, gave negative advice.

Zheng Dong said that although most credit card invitation text messages on the market are real channel marketing behaviors, a few related questions and answers are not excluded: What is the bank phone number 95528?

95528 is the customer service center number of Shanghai Pudong Development Bank.

The Shanghai Pudong Development Bank Customer Service Center is established at the head office level and is open to all customers of the bank. It integrates telephone banking self-service and manual services, and integrates business consultation, transaction processing, product promotion and complaint acceptance. The customer service center quality management system has passed ISO9001 certification. As long as you dial the national unified service number "95528", you can enjoy various standard and standardized financial services of Shanghai Pudong Development Bank anytime and anywhere.