Why are there always loan phone calls? Why are there always loan phone calls?

I received “loan” calls for no reason. Where did these numbers come from?

I don’t know if you have such a similar experience. I often receive some “loan” phone calls and loan text messages for no reason, saying, “We are a loan company on the XX platform. Do you have any funding needs in the near future? ?”, or directly say, “We have detected that you are a high-quality customer of our company, and you can directly apply for a loan of XX yuan from our company.” Similar calls are received almost every day.

Then the question is, many people will say, I have obviously never applied for any loan, and I don’t need a loan at all. Why do I always get calls from various loan platforms when I have done nothing? Where's your phone number?

First of all, we are now in the era of big data. A lot of information can easily be revealed, such as your actions such as playing on WeChat, Weibo, and browsing the web. These are screened by big data. , many loan platforms can use technology to view various information, then filter it, and then call to inquire one by one.

Second, there are many websites and APP software now. When browsing these websites or downloading APPs, you need to register and log in. At this time, many apps can read your address book, so naturally your information will be It was leaked. After all, there are many websites and app software that are not very formal.

Third, loan companies or intermediary companies cooperate with some channels, such as housing loans, then they may cooperate with real estate agencies, property companies, etc., or some intermediary companies will also cooperate with banks to provide bulk loans. You can buy a list locally, but the information on the list is generally invisible and can only be inquired by calling. After all, buying a list or leaking customer information is illegal.

The fourth is to go to the relevant app or loan company platform to apply for a loan. At this time, the loan company will call you to ask if you need it. Maybe you just ordered it out of curiosity, but The loan company's backend can see the relevant data and will assume that you have a loan need.

The above four points are probably why you often receive various loan calls, so don’t mess with irrelevant websites and apps. You only need to download and register a loan app, and then the relevant loans Companies can all know your information. In the era of big data, personal information can easily be leaked.

Of course, don’t believe similar loan advertisements, and don’t be tempted by these marketing advertisements. If you really have a need for funds, it is recommended that you try to consult a regular loan company.

Why is my phone always being harassed with loan information?

It may be due to the following reasons:

1. The customer has logged into some loan platform websites before, or paid attention to the loan platform’s advertisements, so he became a member of the platform. Target customers were sent many text messages recommending loans. In this regard, customers with financial needs can try to apply for a loan after being invited by the platform.

2. I did borrow money from a certain loan platform. The message was sent this time because the repayment date is coming soon, so the platform reminds customers not to forget to repay; of course, it is also possible that the customer borrowed After the payment was made, the outstanding balance was not repaid, so the platform sent text messages to press for payment, and probably also made phone calls.

3. The customer’s relatives and friends have borrowed money, and then the customer is regarded as the emergency contact for his loan, leaving the customer’s contact information. The loan platform couldn't contact the other party, so it naturally found the customer.

4. The customer's personal identity information was leaked, stolen by criminals and used for fraudulent loans. The other party failed to repay the loan, so the platform found the customer based on the information left by the other party. In this case, the customer can make it clear to the platform and there is no need to bear repayment responsibility.

China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") was established in November 2015 and is headquartered in Guangzhou. It was established with the approval of the China Banking and Insurance Regulatory Commission and was established by the Postal Savings Bank of China. Initiated and established by 7 well-known Chinese and foreign companies, it is a national financial institution that provides a full range of consumer financial services to Chinese residents. China Post Consumer Finance has established provincial marketing centers in 16 provinces (municipalities) across the country, and its inclusive financial services cover the entire country. In 2018, the registered capital of China Post Consumer Finance increased to 3 billion yuan.

Business Scope

Issue personal consumption loans (limited to consumer finance companies); accept deposits from shareholders’ domestic subsidiaries and domestic shareholders (limited to consumer finance companies); Borrowing (limited to consumer finance companies); issuance of financial bonds with approval (limited to consumer finance companies); domestic interbank lending (limited to consumer finance companies); consulting and agency business related to consumer finance (limited to consumer finance companies); Agent sales of insurance products related to consumer loans (limited to consumer finance companies); fixed income securities investment business (limited to consumer finance companies);

Why are there suddenly so many loan calls on mobile phones? Don’t worry about these situations

People often receive various strange calls, some of which are from lending institutions, and they may be called more than once, or even from different numbers. Many people I feel very strange and want to know why there are suddenly so many loan calls on my mobile phone. How should I solve it? Here is a brief introduction.

Why are there suddenly so many loan calls on my mobile phone?

It is not surprising that there are many loan calls on mobile phones. After all, harassing calls will appear at any time, but loan calls must be clearly distinguished and handled. Usually, loan phone calls generally include sales calls and collection calls. Some phone calls can be completely ignored and ignored.

1. Sales calls

Many people will call in the name of a certain loan institution. On the phone, they will mention what loans are good and they are engaged in activities that they can enjoy. Preferential interest rates and more. If you receive this kind of call, it is recommended to ignore it and hang up directly. Don’t believe it no matter how low and attractive the interest rate is.

After all, it is difficult to determine the authenticity of the so-called loan by phone. Maybe it is criminals who are using the banner of loan to defraud money and information. For example, you may be asked to download an APP on WeChat for a loan, or you may be given a URL for a loan. During the loan process, you may be asked to provide some relatively private information, such as bank card, password, verification code, etc., and then steal the bank card.

2. Collection calls

First of all, you must determine whether such calls are directed at you, that is to say, whether you have borrowed money from the platform mentioned in these calls and then overdue. After all, many collection calls will be made to the contact person. For example, if someone fills in their own number as the contact person for a loan and the loan is overdue, the lending institution will call the contact person to notify the lender of repayment.

Anyway, as long as the money you borrowed is not overdue, you can ignore such calls. If your loan is indeed overdue, it is recommended that you communicate with the collection staff on the phone and pay off the debt as soon as possible if you have money. If you have no money, you should also contact the loan platform to see if repayment can be negotiated.

The above is the relevant introduction to "Why are there suddenly so many loan calls on my mobile phone?" I hope it will be helpful to everyone.

Why do I often receive phone calls from banks recently?

It may be a sales promotion or your information has been stolen.

1. Promotion: Nowadays, the problem of user information leakage is very serious. Even if you have not applied for a loan before, as long as you have had online behavior, it will be recorded in the network big data. This information can easily be used by criminals to trade, so you will often receive various promotional advertisements for applying for credit cards and loans. If users are not interested, they can set up to reject these calls or text messages.

2. Theft of information: If the user has not applied for a loan, but the information has been stolen by others, and now if the other party is overdue, the platform will definitely collect it, and naturally it will always receive Telephone. There is also a similar situation, that is, when someone applies for a loan, they leave the user as an emergency contact on the loan application form. Now the platform's collection is also to learn about the latest developments of the borrower from the emergency contact.

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1. Consequences of overdue bank loans

1. Penalty interest

Each lending institution has different regulations. If it is overdue, penalty interest will accrue, that is, a certain percentage of interest will be charged on the basis of the original interest. The longer the period, the higher the fee.

2. Adopt collection methods

If the overdue period is long, the loan institution will send staff to collect the debt. Financial institutions generally will not use violent collection methods, but it will also cause harm to personal life. There will be a certain impact, so it is recommended to repay the loan as early as possible.

3. Impact on credit reporting

As long as the lending institution has access to credit reporting, bad records will be left after overdue credit reporting. If the circumstances are serious, not only will you be included in the list of dishonest persons subject to enforcement, but it will also affect many future businesses, and you may even be restricted from leaving the country and cannot take airplanes, high-speed trains, etc.

4. Depends on the forbearance period of the lending institution

Currently, most lending institutions consider humane aspects, firstly, in order not to quarrel with customers, and secondly, in order to recover the arrears. . Generally, a grace period of 3-5 days will be given, and some bad records will only be recorded after the grace period expires and the loan is not repaid. Some lending institutions will clearly tell the lender that there is a forbearance period for repayment, while some lenders will not clearly indicate that there is a loan forbearance period. When a loan is overdue and exceeds the forbearance period, it will be subject to a credit report. Therefore, how long the loan is overdue depends on the loan institution's forbearance period.

2. Can overdue bank loans be laundered?

No! You can often see advertisements on the Internet that launder credit reports. Those are all scams. Don’t believe them. Currently, there are still No one can modify the central bank's personal credit record without authorization. If you want a good credit report, there is no other way than to pay back your money on time.

Let’s stop here to explain why there are always loan phone numbers.