Why do I get harassing phone calls and text messages when I borrow money from a bank?

1. Why do I get harassing phone calls and text messages when I borrow money from a bank?

Maybe it's a promotion or your information has been stolen.

1. Promotion: Now the problem of user information leakage is very serious. Even if you haven't applied for a loan before, it is recorded on the network big data. As for these transactions, they are often advertised. If users are not interested, they can set to reject these calls or text messages.

2. Information stolen: If the user did not apply for the loan himself, but the information was stolen by others, now if the other party is overdue, the platform will definitely collect it. Nature will always receive it. Others left it on the loan application form as an emergency contact when applying for a loan. Now the platform collects the latest trends of cheapskates.

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First, the consequences of bank loans overdue.

1, resulting in penalty interest.

The regulations of each lending institution are different. As long as it is overdue, it will charge a certain percentage of interest on its basis.

2. Take collection measures

If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.

3. Affect credit

As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.

4. Look at the loan machine

At present, most lending institutions consider humanization. First, in order not to fight with customers. Second, during the grace period, some bad records will be recorded after the grace period. Some lending institutions will clearly tell lenders that there is a tolerance period for repayment, while others have no tolerance period. When loans overdue exceeds the tolerance period, it will be credited. Therefore, how long it takes loans overdue to grant credit depends on the tolerance period of lending institutions.

Second, can bank loans overdue be washed white?

Can't! You can often see that kind of advertisement on the internet. It's all a lie. Don't believe that no one can modify the personal credit record of the central bank without authorization. If you want a good credit report, you can only pay back the money on time, and there is no other way.

Second, I just got a harassing phone call asking me if I want a loan.

If the other party is a hacker, as long as you answer the phone for more than a few seconds, he can lock you through the mobile base station, or directly hack into your mobile phone and steal information such as bank cards.

3. What problems will you encounter when you call your customers and tell them whether you want a loan?

Don't call me again, I'll sue you for harassment. Don't call me again, I don't need it. Go away, Cao. I'm busy, and we'll talk about it later. I need a billion dollars. I can't repay the loan. I need you.

. . . "I'm tired of answering your phone all day" and "Where did you find my phone?" "psycho" "no car, no house, no job and a loan" "date at night? "The above content is for reference only. If there are other answers, it is normal. I got a call today asking if I wanted a loan. I answered, answered many questions. Do you think this is a phone?

If you need a loan, don't trust the caller. Can't the regular platform be borrowed? Why should you trust the caller? Even if it is not, it is not safe.