Can others use my mobile phone number and related SMS verification code to make online loans?

You can't. Online lending requires identity and other documents, so only the mobile phone number and SMS verification code cannot be used for online lending.

The loan materials required for online lending are: the mobile phone number of the real-name registration system (used for more than half a year), one or two savings cards of four major banks (the reserved mobile phone number of the bank card is the same as the above-mentioned mobile phone number), the original ID card, the credit card (used for more than half a year), a smart phone, registered online credit investigation (online credit investigation can only be approved for 24 hours and needs to be prepared in advance), and the People's Bank of China Hunan Credit Investigation Office.

Extended data:

Precautions for online lending:

1, it goes without saying that the mobile phone number must be real name and must be authenticated by my real name. If there is no real name, it is best to handle it in real-name registration system; In addition, the longer the mobile phone number is used, the better it is to apply for a loan.

There is no abnormal information in the address book. We often receive all kinds of advertising information. Sometimes these advertisements are really helpful. We will keep them and give comments, such as "loan", "lender" and "loan intermediary".

However, in the view of the loan company, these materials are itemized, and they will feel particularly short of money, which will lead to a decrease in the approval rate. Therefore, when filling in the mobile phone number, you can use these keywords in the address book to deal with contacts to avoid unnecessary misunderstandings.

3. Android mobile phone users should pay attention to checking SMS. The SMS of Android phone can be read by a third party, while the privacy of Apple phone is completely protected, and no third party can read the SMS. Therefore, Android mobile phone users are exposed to more information in front of online loans, paying special attention to the following information.

First, other loan text messages, repayment reminders, collection, etc. , all belong to the restore item. ?

The second is all kinds of short messages from bank credit cards. The number of credit cards given to online loans in the mailbox must not be too different from the number of credit cards involved in the SMS.

References:

Baidu encyclopedia-online loan