China Merchants Bank Platinum Card Audit SMS Interception

Dear Mr. XX, you are a high-quality customer of our bank, and you are specially invited to apply for our platinum credit card with a limit of 6,543.8+million, XX Bank.

Don't people often receive similar text messages?

I have received similar text messages before, but I ignored them because my credit card was enough. Then I often get a short message from an bank, saying that I am a high-quality customer of their bank and can apply for a platinum card with a minimum amount of 654.38+10,000. I thought the platinum card was very attractive, so I clicked in and filled in some information casually, and the result was submitted.

On the second day after submission, I received a phone call from the bank asking for some basic information. It's not complicated, and the result is just around the corner.

In the waiting days, I am full of expectation that this bank can give me a platinum credit card of about10-150,000, and I believe that I can get this quota with my qualifications.

However, after receiving the letter from the credit card, I was half cold. What platinum card actually only has a quota of 20,000, and the agreed quota is at least 65,438+10,000? It turned out to be a routine.

Later, I looked back at the short message carefully and found that this number was sent by the short message sending platform, not by the bank at all.

Now I will introduce some routines to you according to my work experience.

At present, many credit card businesses are co-operated by banks and outside intermediary companies. Intermediary companies send text messages to many users in order to get more cards and commissions. Generally, the content of mass texting is carefully written, which makes you look like it is specially prepared for you. In fact, most people receive the same information.

Generally, SMS will say that you are a good customer of the bank, and you can apply for a large credit card to attract you to click on the application. This application link has parameters. Once the card is successfully processed, the system will automatically settle the account and give the intermediary a rebate.

So most of these short messages may be sent by intermediaries, so you can pay attention to them in the future. If you really want to APPly for a large credit card, you can first understand the requirements of the bank, then apply for a life number on the bank app, WeChat or Alipay, or apply through formal cooperation channels, which is more formal and safer.