How to treat the sudden 400,000 credit line?

If the so-called huge sum is a credit line, don't worry about it. After all, it's not your own money.

Every day, bank lenders select a group of high-quality potential customers with high credit, and then send text messages to remind them of the credit line loan. This is also their marketing method. Because they usually have good credit and are not short of money, they don't have to pay attention to these so-called huge short messages. Whether it is Ping An in China, or banks and loan companies, they often send similar short messages. This kind of short messages can generally be divided into two categories.

The first category is real short messages sent by the government. Take Ping 'an in China as an example. The most common loan message is sent by Ping An Pratt & Whitney, and I often receive it. Personally, there must be a plan for lending. After all, credit information is difficult to obtain, so we should consider the use and repayment. Banks must want people's money. If possible, it can't wait for everyone to spend 6.5438+0 million yuan, and it is also phased. Quantity and interest are sharp tools to make money.

Ping An's official loan SMS will generally make a preliminary accounting through your life insurance policy in Ping An, China, and make a preliminary accounting of your loan amount according to the multiple relationship with premium and payment period. This kind of short message sent by the government has certain accuracy, but it is not the real final quota. How much can I borrow? You still have to apply specifically to know.

The second category is the SMS sent by the business personnel themselves. Some text messages are not sent by the government, but by the sales staff themselves. In order to complete the performance, the salesman will also send out similar advertising information in groups. Although the number of places will also be indicated, they are all written casually. There is no basis. The salesman doesn't even know who you are. It's just a mass email. You can completely ignore the restrictions of this kind of short message.

In fact, the huge sum of SMS reminders is sometimes just a marketing tool of banks. When you actually get a loan, you won't have that much money. Even if the credit is high at ordinary times, the loan needs corresponding property to mortgage. Don't think that a short message is free, in other words, it is an advertisement.

How to tell whether it is official or sent by the salesman himself?

It can't be recognized by text messages alone.