How to write about consumer finance after receiving a text message?

What's wrong with consumer finance SMS?

The short message of consumer finance is generally: 1, a platform loan. The platform sends SMS tips 2, or credit cards and banks send SMS tips. 3. Or if you spend on a certain platform, the debit card will have a balance prompt.

If the user has registered the amount of immediate consumption, or applied for a loan product of immediate consumption finance, then it is possible to receive a short message from immediate consumption finance. Users who have not registered for immediate financing or applied for immediate financing loan products can directly ignore short messages such as advertising promotion and registration verification code.

After receiving the phone call in this short message, don't dial or click on any link given by the other party in the short message, because there are actually many loan companies in the market now, and it is inevitable that loans will occur more or less in our daily life. So now there are many scammers who send such short messages in the name of collection by various loan companies, so the safest way for you to deal with it at present is to directly call the company with which you have a loan relationship to confirm the situation.

If you have a serious overdue loan here, I suggest you contact the company or bank you borrowed directly and call the corresponding customer service number for inquiry. In addition, if you really have loans overdue, in fact, whether the other party accepts it or not, you'd better find time to contact the loan company as soon as possible to discuss how to repay it. Because there will be overdue charges in loans overdue.

How to deal with telecom fraud

1. Don't be credulous even if you encounter a phone call or text message that can tell personal information such as name and address. You need to verify it through other channels.

2. In particular, pretending to be a public security investigation, pretending to be an airline to return and change a ticket, pretending to be a friend and family to transfer money, pretending to be Taobao, and customer service refunds, such calls are basically fraud;

3. Don't easily click on links sent by strange text messages, emails and social tools, and don't install strange applications casually;

4. Security software should be installed on the mobile phone, which can effectively identify and intercept fraudulent calls, fraudulent short messages, phishing interception and Trojan horse programs;

5. Don't leave personal information in unfamiliar or informal institutions and websites easily. The passwords of online banking accounts and ordinary social accounts should be distinguished, and the passwords should be revised regularly to prevent information leakage.

Why do you receive SMS notification of consumer finance?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. ?

2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and making phone calls. , but learn to distinguish the authenticity of the repayment message received.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank card number and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the killer to deal with fraudulent text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving a similar message, if the user is not sure whether it is true or not, he can go to the court to check.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also distribute information in the official rent and broadcast it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.

I suddenly received a short message from Haier Consumer Finance today. I have never registered this application. What happened?

The reason for this is the following：

1. Before surfing the Internet, I logged on some loan platform websites or paid attention to the advertisements of the loan platform, so I became the target customer of the platform and was sent many short messages recommending loans. In this regard, customers with financial needs can try to apply for loans after the invitation of the platform.

2. If there is a loan from a relative or friend, then treat the customer as an emergency contact for your own loan and leave the contact information of the customer. The loan platform can't contact the other party.

3. The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility.

Haier consumer finance:

Haier Consumer Finance Co., Ltd. was established in February of 20 14 with a registered capital of 10 billion yuan. Established by Haier Group, Haier Finance Company, Red Star Macalline, Greentown E-commerce and China Youzan (formerly "China Innovative Payment").

It is the first national consumer finance company approved by China Banking and Insurance Regulatory Commission after expanding the pilot scope of China consumer finance company, and the first consumer finance company initiated by the industry in China. The only licensed consumer financial institution in Shandong Province.

Refer to the above? Baidu encyclopedia-Haier consumption finance co., ltd

Why do you receive short messages from consumer finance companies?

Judging from the situation, Gitzo Consumer Finance Company always calls for two reasons, one is to sell and the other is to collect money. The specific situation is as follows:

Carry out sales promotion

If you have consulted and registered with Gitzo Consumer Finance official website and partner businesses before, or applied for a loan with Gitzo Consumer Finance Co., Ltd., you may receive a sales call from the other party. If you don't want to receive this call again, there are two ways to deal with it.

1. Call the customer service phone number "*" of Gitzo Consumer Finance Co., Ltd. to show the other party that it refuses all sales promotion.

2. Use the blacklist of your own mobile phone address book to block the sales phone number of Gitzo Consumer Finance Co., Ltd. by filtering the beginning of the number.

collect

In some cases, Gitzo Consumer Finance Co., Ltd. always calls for collection. Maybe you or your relatives have problems with Gitzo's overdue loans. Xi Cai Jun suggested that you ask the other person why he called you, and deal with it according to the actual situation.