What happened to the car loan of120,000 yuan that received the bank text message?

If users have business dealings with a bank, then personal information is recorded on the platform, and the bank will naturally conduct SMS marketing for users in order to develop their business. If there is no confirmation, you can call customer service or log in to the mobile banking APP to see if there is any official notice. In addition, many loan companies will also attract customers to apply in this way, which does not necessarily mean that it is a bank. Users are advised to pay attention to two points when receiving similar short messages: First, don't click on the link at will, and it is best to verify whether the information is true through official channels; Second, the pre-credit line is not a real approval line, but a preliminary evaluation of the platform or an eye-catching means. Whether it can finally pass the examination and approval, the amount of examination and approval is uncertain, depending on the user's comprehensive credit situation.

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1. Credit line refers to the stock management index of short-term credit business approved by commercial banks for customers, which can generally be divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line. As long as the credit balance does not exceed the corresponding business variety index, regardless of the accumulated amount and the number of issuance, the business department of a commercial bank can provide short-term credit to customers quickly, that is, enterprises can easily recover the bank's short-term credit funds, thus meeting customers' requirements for fast and convenient financial services.

2. Flexible credit line arrangement. The total credit line can be subdivided into loan line, letter of credit line, export draft line, letter of guarantee line, bank acceptance draft line, acceptance draft discount line and other sub-lines. The credit line is applicable to all kinds of credit business with a term of less than 1 year (including 1 year), and the term of bid guarantee, performance guarantee, advance payment guarantee, customs payment guarantee and maritime guarantee under the opening guarantee line can be extended to more than 1 year.

3. Credit line refers to a flexible, convenient and recyclable credit product provided by banks to customers. As long as the credit balance does not exceed the corresponding business category indicators, short-term credit can be provided to customers quickly, regardless of the accumulated amount and the number of issuance.