Today I suddenly received a SMS verification code from ICBC, but I don’t have an ICBC card at all. What’s going on?

Whether the information sent by 95588 ICBC is true or false depends on the situation

1. If the account has been operated before sending the message, and the information is consistent with the operated information , it is true. If there is no operation, the information sent is false. It is recommended to delete it.

2. Fraudulent text messages like this also happen frequently. Special attention should be paid to this. You cannot believe it just because the number is correct. The banking system also has certain loopholes to a certain extent. If it is not maintained in time, , it will increase the occurrence of similar risk events.

Detailed loan process:

1. Apply for a loan. Customers should learn about the bank's credit products in advance and see if any are suitable for them. After understanding clearly, they can call the bank's customer service for consultation or on-site consultation. Go to the bank to fill out a loan application form, and bring along relevant documents such as ID card, household register, residence permit, work permit, marriage certificate, etc.

2. Pre-loan investigation. The bank is qualified to conduct a preliminary review of the personal information of the loan applicant. If the applicant meets the conditions, he or she will proceed to the next step of the loan process.

3. Loan approval. The approver determines whether the loan will be approved based on the loan applicant's repayment ability, personal credit record, guaranteed mortgage, etc.

4. Mortgage registration. If a loan applicant chooses a mortgage loan, he or she needs to go through relevant registration procedures after being approved.

5. Grant loans. Loans can be issued to those who meet the bank loan conditions and have completed all procedures legally.

Only when handling credit business with the Industrial and Commercial Bank of China (ICBC), you can query, print and view your own credit report, or you can also contact the People's Bank of China or the People's Bank of China The online credit registration window of the Credit Center. For specific information, you can go to any branch of the Industrial and Commercial Bank of China for consultation.

It should be noted that personal credit reference is very important. If the credit reference is not good, it will cause certain inconvenience in daily life. Loans from online merchant banks will also affect personal credit. Now the entire network is interconnected, and all data can be found. Failure to repay an online loan on time will also affect your personal credit report, and it will also be recorded on your credit report. If you take a loan online, you can also get a loan from a bank. The premise is that the customer's personal credit report is good and there is no overdue loan record. Otherwise, it will also affect the bank's loan approval and the bank will not lend. Whether you use online loan products has nothing to do with whether you can obtain a bank loan. The appearance of overdue loan records in your personal credit report is the main reason that affects bank loan approval. According to relevant surveys, whether a bank lends or not has nothing to do with whether it uses online loan products. Unless there is a problem with the customer's personal credit report, failure to repay on time or having overdue records. At present, in the customer's personal credit investigation, online loans have been included in the scope of loan approval considerations like other loan repayments. They will be comprehensively considered together with the liabilities of other assets to determine whether to lend.