I always get this kind of text message. What happened?

The first reaction is probably: Did such a big pie fall from the sky? I'm afraid this information is false.

The second reaction may be: Is my personal information leaked?

In this case, first of all, everyone should check whether the number of the text message is a "short number" and whether it is consistent with the customer service phone number of the bank. For example, Industrial and Commercial Bank of China (95588), Agricultural Bank of China (95599), China Bank (95566), China Construction Bank (95533), Bank of Communications (95559), Shanghai Pudong Development Bank (95528) and so on. The customer service number of the specific bank can be found in official website.

If all banks push information at the head office level, they will generally use these "cornets" to push.

This short message is highly reliable. Of course, some criminals will use technologies such as "pseudo base stations" to impersonate the "official numbers" of these banks to send text messages.

Therefore, if you happen to be interested in the content of this kind of short message, the best way is to call the official customer service phone number of these banks for further consultation and verification, instead of calling back the phone number written in the short message.

Secondly, if some branch-level or sub-branch-level banking institutions do not have the right to send short messages directly by using the "short number" at the head office level, most of them will establish their own short message group sending platforms. However, generally, the number with the same suffix as the bank customer service phone number will be selected to push the information. For example, ICBC may use the number 1069XXX95588 and BOC will use the number 1069XXX95566.

Finally, if it's a text message from another number, it's either from a bank outsourcing agency or really from a liar.

At present, many banks will outsource credit card and personal loans (credit loans, mortgage loans, retail loans, etc.). ) Go to some intermediaries for business expansion and promotion, and these institutions will not be able to send mass promotion and advertising information using the SMS platform matching the bank's customer service number.

When you receive this kind of information, you should first keep calm, and remember not to click on the website attached to the information immediately, so as not to be induced by scammers to enter the "phishing website" of the fake bank official website.

Brother Liao still strongly suggested that if you are interested in the content of the short message, you should first call the official customer service phone of the bank to verify the authenticity of the information.

Then, you don't need to believe the news of "giving you a credit card or loan line of XX million yuan", which are propaganda words to induce you to apply for and handle these businesses. Come to think of it, these banks don't know your personal credit information, assets and professional income. How do they "pre-approve" the loan amount for you in advance?

When you really apply for a credit card or loan, you may be rejected by the audit; Or although you can apply successfully, the final approved amount is often much lower than the "amount" mentioned in the text message.