If I receive the repayment information from Shanghai Pudong Development Bank, but I have never borrowed money from Shanghai Pudong Development Bank! The number is also the number of Shanghai Pudong De

If I receive the repayment information from Shanghai Pudong Development Bank, but I have never borrowed money from Shanghai Pudong Development Bank! The number is also the number of Shanghai Pudong Development Bank. What happened? If you are sure that you have not applied for a Shanghai Pudong Development Bank card, it is very likely that someone else has applied for a Shanghai Pudong Development Bank card in your name and used it. Call the credit card customer service of Shanghai Pudong Development Bank immediately and ask them to check, check the card opening record at that time and check whether there is any debt. If there is no arrears, cancel the card immediately. Call the police if there is arrears.

First, loans overdue will have a certain impact on personal life:

1, specifically, it needs to be charged according to the contract. Different institutions and different loan products will sue the court if they don't repay the loan;

2. If it is overdue for more than 90 days, the bank collection may also put pressure on yourself and your family, indicating that your repayment ability has certain problems. You can report to the Supreme People's Court and enter the "list of untrustworthy executors". The bank will take certain collection measures, which will affect your personal credit record during the initial telephone call, and still fail to repay after the court judgment is executed;

If the loan is really overdue, you can explain your actual situation to the bank, but it is still better than the overdue situation. Bad credit records will become the resistance to mortgage, car loan and credit card processing in the future, which is also commonly known as the "Lao Lai List".

Second, customers apply for loans on the online lending platform. If personal information is leaked, the customer had better give up the loan on the platform, unbind the bank card, cancel the loan account on the platform, then keep personal information and change the mobile phone number. After that, pay attention to whether you will receive repayment messages from platforms that have never borrowed money, and so on. It is recommended to inquire about big data and credit information from time to time to see if personal information has been fraudulently used by others to defraud loans. If you find someone else defrauding the loan, you must make it clear to the lending institution/platform that the borrower is not himself and is not responsible for repayment. If personal money is damaged, we can also report it to the local public security department.

Third, customers should pay attention to avoid unknown small loan companies when lending. This kind of loan platform is generally not approved by the CBRC and does not hold a financial license, so personal information is easy to leak. If you go to a regular licensed consumer financial institution for loans, information security will naturally be more secure. Of course, you have to keep your ID card, mobile phone number, etc. And don't tell others your personal information at will.