I often get information about handling credit cards from banks, saying that they are platinum quality users. Is it true?/You don't say.

I want to share a story with you. A friend of mine works in a company. After he bought a car, his salary was 4000 yuan per month. He frequently receives short messages from various banks, all of which indicate that he is a high-quality platinum card user with various preferential conditions. Then he chose to go to Ping An Bank and Postal Savings Bank to approve credit cards. When his quota was approved, we were surprised that Ping An Bank granted him a credit of 5,000 yuan. Moreover, the Postal Savings Bank granted him 1 yuan. At first, we all thought it was, not to ensure the security of the card, but to extend the quota to 1 yuan. We called the customer service and found that you need to deposit money in it and keep accumulating the transaction process in order to increase the credit limit. Then from this case, we can find that all the short messages are sent in batches, and the credit limit you get when you apply for a card can only be obtained after your final credit report and related bank transactions are approved. Generally, the credit card gives you a limit ranging from one yuan to hundreds of thousands. So is it true that you are a platinum quality user? It's true. But the amount he gave you is not necessarily true.

On this issue, Zhou Tingting, a commentator of the Chief Investment Officer, thinks that it is not too early to apply for a credit card if it is not profitable. Banks must get credit cards by sending messages to customers to make money. Usually, banks will screen customers, and not all customers will call to suggest a credit card. Banks also sell credit cards by judging more creditworthy customers based on bank deposits or running water. The speaker is a platinum quality user, which certainly meets the requirements.

Credit card interest expense income is an important source of income for banks. At present, the credit card handling fee rate of most banks is 0.6%. Every time a credit card is swiped, the merchant has to pay a 0.6% handling fee to the bank.

/kloc-the annual reports of banks in 0/7 show that credit card income accounts for 25% of operating income. It is precisely because of the huge profit margin of credit cards that major banks are vigorously promoting them. Moreover, the business of promoting credit cards will be outsourced to other companies, and a certain commission will be given according to the number of credit cards handled. In order to get more commission, these companies are also trying their best to promote bank credit cards, so it is not surprising that people often get calls to promote credit cards.

However, the subject intends to apply for a credit card, and finally received a message saying that the audit failed. Why? I think there are two repassons. One is that your information is incorrect, and the other is that you may find that it does not meet the requirements after learning more about your information. The department that sends you information inside the bank is not the same as the audit department. The department that sends information is generally the business department, and it will also spread the net widely. It may not be approved by the person who receives the information, but it will be available after the audit department receives the information for applying for a credit card. So this situation is also more common. If this bank doesn't work, change to another bank.

Fake, deceptive, look at the number that sent you a text message, starting with 106, all of which are short message platforms.

If it was sent to you by Bank of Communications, it should be a text message sent by 95559, which is a way to make money. As mentioned in my previous article, many banks now invite them to apply for cards, send gifts to mobile phones, send credit cards and so on. Many people use this rule to link their recommendations and send them out through the SMS platform. Once they get the card, they can get what the bank gives them.

This is a screenshot of the message I received, which is very helpless. Basically, I get about three messages every week.

What is certain is that your mobile phone number has been leaked. I often get it, too, and I get a lot of it. There are many Bank of Communications, China CITIC Bank, Minsheng Bank, Shanghai Pudong Development Bank and so on, so I deleted them.

I believe that every netizen's mobile phone will often receive a short message from a bank inviting him to apply for a credit card. The content of the text message is nothing more than "You are a high-quality customer of our bank and meet the criteria for handling large platinum credit cards. Just click on the website. " .

But most people click in to fill in the information only to find that they will be rejected by the bank, or the application amount is very low, far from the platinum card mentioned in the text message! Isn't this playing with people?

1, not necessarily from banks, but mostly from private groups on third-party platforms.

Many of them are not issued by banks, but by non-governmental organizations on third-party platforms. And it is very simple to judge whether it is issued by the bank, just look at the number. The long number at the beginning of 106 is definitely not issued by the bank. These numbers starting with 106 are basically automatically sent by mobile ports. According to statistics, almost everyone receives at least 1 messages every week.

Five digits, starting with 95, sent by the bank, with the bank name and official customer service phone number attached. But generally speaking, banks will send you text messages on their own initiative, either because of account changes or credit card bill collection. There are really not many invitations to make credit cards.

2. Why is there such a short message?

Thanks to the invitation and reward mechanism of banks, banks are now competing to increase the issuance of credit cards, but banks can't issue cards on their own initiative, so many banks have added a new rule that old customers can get rewards by inviting others to open new credit cards. Rewards are either cash or prizes. The more invitations, the richer the rewards.

In this way, banks can rely on old customers to attract new customers, but some people take a fancy to these rewards, so they use some third-party platforms to send text messages in groups. Once someone clicks on the URL in the text message to fill in the information and apply for a credit card, then these people can easily get a bank reward.

As for why it was rejected, it is obvious. It is not an invitation from the bank, so even if it is your personal application, the bank will naturally check whether it meets the conditions for handling credit cards. If it doesn't meet the requirements, the bank will definitely refuse.

Generally speaking, the average credit card is 3000- 1 10,000, the gold card 1 10,000-50,000, and the platinum card is over 50,000. How can the bank give you a platinum card directly?

Don't mess around anyway.

Generally, it won't be any trouble to open such junk websites, but it's not so easy for banks to apply for credit cards, and it's even harder to get a high amount, so the amount invited in this way is definitely not high.

Also, the URL in the SMS is not necessarily a bank official website, but also a phishing website, which will steal personal information and even account funds, so be careful about the URL sent by SMS.

In addition, before you apply for a credit card, you must know yourself first, and measure your credit information and the card issuing standards of the bank that handles the credit card. There is a saying that if a credit card is overdue, the best way is not to apply for it!

As a full-time credit card staff, I can tell you responsibly that these advertisements are basically fake! Because many channels can recommend a card, as long as you click on his connection and get the card, he will have money to take it. So many people advertise crazily, sending out 10,000 advertisements every day. 1 1,000 people order cards, 1 1,000 people get off cards, and he can earn thousands of dollars.

However, as an individual, the passing rate of this method is touching. And even if you do, you have to go to the bank to sign in person before you can open it. If you apply frequently and have too many credit inquiries, you can't get a credit card, a house or a loan. You might as well not believe it.

What's your situation? Don't you have a 13 number? Do you have a lot of business dealings in their bank? Do you have a huge deposit? Is there a lot of running water? Where are so many high-quality customers? Even if there is, the bank staff will take the initiative to contact you and go to the door to handle it for you. Don't click on the application again.

Let me talk about my personal experience. I was cheated once. Originally, I used Puka, which was free of annual fee. The bank often calls me to ask if I want to upgrade my platinum card, saying it's free, and I don't care. Later, the upgraded platinum card often shorted out. Maybe I get this message often. In addition, the bank brainwashed me to call, and one day I couldn't help but click in and fill in the information upgrade.

The card came down in a few days. After opening the card, I found that it was the same amount as Puka * * *, but it didn't have the maximum amount of 6.5438+10,000 as the bank said on the phone before. Soon after activation, I found that the bill had an annual fee of 299. Call and ask if you want to pay the full amount of 65438+ 10,000 yuan, the amount is less than 20,000 yuan. Do you think I should pay the full amount of 65,438+10,000 yuan or pay the annual fee honestly?

In a word, I think what I want is a platinum card. I can use the card I am using, so the amount is ok. Upgrading is sheer nonsense. The card has become a platinum card, the amount is the same as that of a general card, and an annual fee has to be paid.

The above information is still the information sent by the formal channels of the bank. If you encounter fishing information, you are finished. I suggest you ignore the card information, especially if it is relevant. Don't open it easily, let alone enter your own identity information. Nowadays, network information technology and fraud methods are varied and hard to prevent.

Thank you for your time.

First of all, in view of this phenomenon in the question, according to personal experience, I suggest that you don't believe these contents in short messages easily. If you are really excited and want to upgrade, you may wish to go directly to the bank where the SMS is located or call the corresponding bank to ask. If you enter your own information, it will sometimes cause information leakage. The following is a detailed explanation for everyone:

First, in fact, because many banks invite them to apply for cards, send gifts to mobile phones, send credit cards and so on. Therefore, some lawless people will use this rule to send their own recommendation links through SMS platforms. Once someone leaves the card, he can get something from the bank or make money. So generally speaking, if these short messages are not sent by the corresponding bank, then there are generally intermediaries who want to make money.

Secondly, I suggest that we should be cautious and not be greedy for petty gains, sometimes we will lose big for petty gains. To tell the truth, sometimes most of us know that these short messages may be scams, but we still click them because we think there are discounts and want to make money. At this time, I really suggest that everyone should be rational and not impulsive.

Of course, there may be other reasons besides the above two points. In short, if you are really touched by the content of the short message, you may wish to check the number of the corresponding bank directly online, or ask the local bank directly.

Many friends, especially those who often apply for credit cards or loans online, will receive such information. The information content is also relatively simple. Generally speaking, you have a good credit and can approve 58,000 yuan per second. By up to 99%, or by inviting quality customers.

Does receiving this information mean that you are really a high-quality customer and can get a high second-batch qualification? If the bank invites you to handle it, congratulations, your probability of success will be greatly improved. But according to my experience, more than 99% of this information is sent by banks.

We know that banks will use their customer service numbers, such as 95533 of CCB and 95599 of ABC. Most people receive 106 followed by a long number. These are sent by many organizations and individuals using the short message group sending platform. Of course, the purpose is to hope that you can get a card, because they can get a kickback. Because in the process of issuing cards, in order to increase market share and increase the customer base of banks, banks also hope that many platforms can find better customers for them, so they will also give some promotion commissions to many third-party institutions and individuals. The so-called invitation message you received at the beginning of 106 was sent by these institutions and individuals. Whether you can apply for a card depends entirely on your own qualifications.

Many people want to get high credit cards, because credit cards are not only payment tools, but also financing tools and credit certificates. So how can we get a high credit card? The simplest way to put it is to be a good customer of the bank, that is, to prove to the bank that you are a good person with repayment ability, honest and trustworthy, and that the loan to you is reliable. So this requires you to make a comprehensive optimization in personal identity information, income information, occupation information and residence information, as well as credit records.

On how to apply for a credit card, how to increase the quota, and how to use a credit card to become a high-quality customer of a bank, so as to obtain lower-cost bank financing, I have summarized a series of practical materials based on my years of working experience in the credit industry, such as how to get rid of the card. The four major banks 12 commercial banks applied for the quota promotion strategy, and 15 personal financial management methods were in prime bank, etc. You can ask me for it if necessary. I hope my answer is of reference and help to you. Thank you.

1, it may not be sent by the bank, but it is fake.

Some people on the internet think that this is promotional information caused by information leakage. Just like the real estate agent sent you a message. Moreover, text messages that don't show your name and limit should all be sent by a third party, but even if your name and limit are displayed, they may not be sent by the bank (after all, in general, the whole Internet contains a lot of your personal information).

What's more, even if it is issued by a bank, it doesn't have to be done. I advise you not to be tempted by various superficial concessions.

2. It can be issued by banks or other companies with interests in banks.

As the saying goes, getting up early does not make money. If the bank sends a message to customers and asks them to apply for a credit card, it will certainly benefit the bank. At present, many banks charge 0.6% handling fee for credit card swiping, which means that every time you swipe a sum of money with a credit card, the merchant has to pay 0.6% handling fee for the bank. But the wool is on the sheep, and the cost is ultimately borne by consumers.

Moreover, according to the current trend, the proportion of credit card income in revenue may show an upward trend. 20 17 The annual reports of banks show that credit card income accounts for about 25% of the total income, and there is still huge room for profit growth.

Interestingly, however, many banks are bureaucratic because of their large scale. There is no good information connection between the department that gives you the card information and the department that examines your specific card qualification. This will cause a phenomenon, you receive information to apply for a bank card, but the result is rejected.

From a macro point of view, due to the insecurity of information disclosure, a third-party company may send you a text message to apply for a credit card. However, this may also be some kind of cooperation between banks and third-party companies for their own interests.

If you really want to deal with it, be careful!

Therefore, you should try to distinguish whether the information about going to the bank to apply for a credit card is true or not. On the one hand, even if it is true, due to the internal operation mechanism of the bank, the person who examines your credit card qualification may refuse you to apply for a credit card.

Even if it is done, it will only make you spend more money in most cases, which is more conducive to the growth of bank profits.

Generally speaking, in either case, it is beneficial to banks, but not necessarily to individuals who use credit cards.

Happy to answer:

I often receive information from the bank about handling credit cards, which is difficult to distinguish between true and false. The author briefly talks about several possibilities here:

1. Personal information disclosure: In the era of big data, you can find a lot of personal information as long as you have a mobile phone number or an ID number. Especially in recent years, some people have sold personal information, and it seems that there are too many personal information leaked by big data. For example, we often use some courier information, mobile phone number processing information and so on. And our personal information will also be leaked with the internal problems of the handling department.

2. Value-added banking: If the subject has our savings card, there will be a message sent by the bank to depositors inviting them to apply for a bank credit card, which is very reliable. After all, the subject will leave personal information when he deposits money in our bank and handles business. However, the author would like to remind the subject here that it is necessary to verify the content of the short message and whether the number to send the short message is the official bank number.

3. Online fraud link: fraudulent link is a new mode of online fraud, and its means is to send relevant information to an individual's mobile phone number through the network and attach a network link. The most fatal thing about this online link is that clicking on it probably reads the information in the mobile phone and clones a website with a similar interface to the bank website. Suppose the subject enters some information according to the prompts on the website, and the mobile phone will receive the corresponding verification code. Once the verification code is entered into the website, the subject's money is likely to be gone.

4. To sum up, the author suggests that no matter how the bank sends information to invite the subject to apply for a credit card, the subject should first send the authenticity of the number appropriately and check with the bank if necessary, because only in this way can he avoid his own property losses. After all, when it comes to money, caution is the most important thing. Make money and save money, and don't let fraudsters take advantage of it.

I hope more investors will speak enthusiastically in the message area to discuss and grow the future together!