Campus cards always receive loan text messages.

The new campus card always receives text messages about loans, probably because the mobile phone number has been leaked. If you don't want to borrow money, you can pull it out, look for it on your mobile phone, or intercept it with your mobile phone housekeeper. Generally speaking, this kind of loan short message belongs to fraud, so don't believe it easily.

1. What should I do if I receive a loan text message?

Mobile phones always receive spam advertisements and loan text messages. It can be set in the page through the spam message interception function that comes with the mobile phone. If there is a mobile phone housekeeper in the mobile APP, you can also intercept it with a mobile phone housekeeper. The easiest way is to blacklist this number if you don't want to ignore it, so that the other party's text messages and phone calls will not be received again. You can also call the customer service hotline of the mobile phone operator and choose manual customer service to complain to the operator. If you don't receive the intercepted SMS, don't leave contact information on the loan website. As long as you leave a website, you may be sold to other intermediaries. Don't leave contact information on some research websites or websites related to borrowing money. Don't answer phone calls or promotional calls from strangers. Many companies will send you text messages as long as they are labeled.

Second, the harm of peer-to-peer lending

If the online loan repays normally, there is no harm, but if the user fails to repay on time or refuses to repay, there will be considerable harm. First, online loans will be fined if they are overdue, and some peer-to-peer lending platforms will also charge liquidated damages, making it more difficult for users to repay. When the online loan is just overdue, the platform will remind you by SMS. If the user still fails to repay the loan, the lending platform will upload the overdue records to the credit information center, and the user's credit information will become bad. In the future, all kinds of loans will be rejected by banks, which will affect the purchase of cars and houses in the future. If the online loan is not returned, the platform will also carry out various collections, such as calling you every day. Even if the mobile phone number is cancelled, the platform will call family or friends, which will have a bad influence on relatives and friends. So once you make an online loan, you must repay it in time to avoid unnecessary trouble for yourself.