Why do many banks send text messages asking me to apply for a credit card?

I believe that many friends, like Mr. Jianming, often receive many credit card advertising messages. And after receiving such a short message, we can definitely know that our information has been leaked. So why have we never been to some banks, and why do these banks have our personal information? Besides, they have our mobile phone number and our personal information. And send text messages to let us apply for a credit card almost every day. Some people even know our bank records. Is the information of every bank universal?

In fact, Teacher Jianming has some personal opinions on this issue to share with you here. If there is anything wrong, please criticize and correct me!

First of all, are all the text messages we received from the bank? Personally, I think it is impossible. In fact, many text messages are like this:

I think as long as you are a careful friend, you can definitely see it. Such a short message is not sent by the bank itself, and it is likely to be an individual or institution of a credit card intermediary. No matter from the number in the picture or the URL in the short message, we can clearly know that this is not a short message sent by the bank. For such behavior, it is obviously an infringement of personal information, and it is impossible for banks to do such a thing themselves.

Secondly, although such short messages are not directly related to banks, banks are also involved.

As we all know, banks are now promoting credit cards more and more vigorously. This also gave birth to credit card intermediary individuals or institutions, because of the interests, these people are very hard to help banks recommend credit cards. I believe many people should have experience. As long as you have applied for a credit card in a bank or platform, other bank intermediaries will definitely send you credit card text messages frequently. Although there is no direct evidence, it can be inferred. For example, I have personally handled three credit cards, China Construction Bank, Ping An and Shanghai Pudong Development Bank. Now I have received more credit card messages from China Merchants Bank, Bank of Communications and Minsheng Bank. Therefore, they must know all our personal information.

I'm sure I've never handled such a short message, so the security is also debatable. For us, credit cards certainly facilitate our lives, but if we want to apply for credit cards, we still apply through more formal channels. In the process of using credit cards, we should also plan rationally and live within our means.

I don't know if you often receive such news. My friends, what do you think of this matter? Welcome to leave a comment!

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