What should I do if I receive a reminder message without an online loan? What is the annual income of financial management?

What should I do if I receive a reminder message without an online loan? Loans overdue online loan collection SMS may not be sent to the borrower himself, but may also be sent to the borrower's emergency contact. Therefore, it is necessary to determine the name of the debtor in the short message and then take corresponding solutions. Details are as follows:

1, the debtor is his name.

If the debtor mentioned in the collection message is not his own name, it is only possible that his mobile phone number is filled in and he becomes an emergency contact. If this is the case, it can be ignored. After all, the purpose of sending information on online loans is to let emergency contacts inform lenders of repayment, and emergency contacts are not responsible for repayment to lenders. If you feel that the online lending platform has caused harassment to yourself, you can also consult the online lending platform to stop pushing such short messages to yourself, otherwise you can report it directly.

The debtor is my name.

If the debtor mentioned in the collection message must be his own name, such a thing needs to determine whether there is an online loan in loans overdue. Because most online loans are overdue, they can be found out from the personal credit report. So after receiving the information, quickly check the credit records in the personal credit report to see if there are any bad records of online loans mentioned.

What is the annual income of financial management? If there is, it depends on whether the online loan is handled by itself. For example, if you absolutely make your own online loan but forget it, since it is overdue, contact the online loan platform to pay off the loan. However, if someone borrows an online loan in the name of an individual, they can consult the online loan platform to cancel the loan and change their personal credit information after providing a non-personal online loan certificate.

At present, the annualized rate of return on investment and wealth management in the financial system is about 1.5-4%, with different commodities and different maturities. But it is impossible to find some popular money funds with an annualized rate of return of over 5%. So a level like this is the normal annualized rate of return. If it is much higher than that rate of return, you need to choose carefully. Always remember that high risks and high returns, no matter what good methods and categories are used.

Annualized rate of return on bank deposits1%-3%; The annualized yield of savings bonds is 3%-4%; The annualized rate of return of the money fund1.5%-2%; The annualized rate of return on bank financing is 3%-5%; The annualized returns of futures trading, gold, individual stocks and index funds fluctuate up and down. These financial management methods are all we often encounter. The former is generally at a low risk level with relatively fixed returns, while the latter is fluctuating, which is likely to be higher, but it is also likely that even negative returns will occur frequently.