Somehow received a text message from the online lending platform? Is there a problem? What should we do?

It is possible that the information of your mobile phone number has been leaked. It is also possible that you have registered on other lending platforms, but you have not completed the registration. Generally, there is nothing wrong, just don't reply. Or if the mobile phone is blacklisted, it will be automatically blocked.

1. Call customer service to find out where the money is going and whether it is really lent to you. If you do lend money, please ask the customer service to show the certificate, refer to the second step; If the platform denies lending you money, or denying that there is a loan certificate, then don't worry.

2. If the platform confirms to lend you money and can provide loan vouchers, then you may suspect that someone is using your information to borrow money. Please call the police. Note: Please record the telephone number.

3. Some information belongs to SMS promotion, which is used to let users who receive SMS know that their platform has online loan business.

4. It is also very likely that it is a fraudulent text message using personal data.

Another possibility is that clicking on the link like a virus will poison your mobile phone, so try not to click on the link and delete it directly.

1, the first is the online lending platform, and its service area is private lending. In China, it is difficult for small and medium-sized enterprises to get enough loan liquidity from banks, trust loans and other financial markets, let alone individuals. Therefore, people who can't get money from the formal platform and have no patience with too complicated procedures will naturally turn to private lending.

Secondly, people have "animal spirit". The yield released by the online lending platform app platform is very high, generally exceeding 10%, and the threshold is extremely low, which is very attractive. People who lack risk awareness always automatically filter traps, look at pies, and constantly hand over money to the app platform.

3. Thirdly, the confusion of this kind of app platform is very professional. When there is a major case on the online lending platform, it can basically be endorsed by local state-owned enterprises and traditional media. When it is a tiger banner, the appearance of jewelry often covers the cliff in front of it perfectly, and few investors can see through it.

4. Finally, there are many ways and means of online lending platform: capital guarantee, investor credit guarantee, holding high the banner of HP finance, reaching the standard, etc. These are more attractive than banking, so ordinary people are easily deceived.