What should I do if my mobile phone receives a loan text message?

Why did you receive a loan text message?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. 2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and making phone calls. , but learn to distinguish the authenticity of the repayment message received.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank code and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the killer to deal with text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving a similar message, users can check it if they are not sure whether it is true or not.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also release information in the official and play it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.

There will always be a short message on the mobile phone that the loan is successful. What happened?

There are usually three possibilities:

First, you accidentally registered this platform, entered your mobile phone number, and he will send you the advertising information of the loan.

Second, someone else registered this loan platform with your mobile phone number, or used your mobile phone number as a contact person.

Third, this is a marketing strategy, the so-called "net fishing".

In this case, I suggest you call the customer service phone of this platform as soon as possible for verification. If you accidentally register, ask him to delete or remove this mobile phone binding. If it is a marketing strategy, it can also explain the situation. If you still receive this harassing message, you can join the blacklist and report it as a harassing phone call.

Extended data

In the governance of spam messages, the three major operators have been repeatedly found by the media to make profits by using spam messages, and this laissez-faire attitude has been repeatedly criticized.

So is harassing phone calls. For example, CCTV Finance "Economic Half-hour" reported earlier that for group call harassing calls, operators can judge whether it is harassment according to how many numbers are called out in one minute. It is not difficult to supervise and shut down, but there is a chain of interests behind group calls, harassing telephone operators to earn 5 or 6 cents per minute.

It is precisely considering the importance of the role of operators and the possible interference of harassing telephone interest chains to operators. The "Proposal" puts strict control of harassing phone channels in the first place, requiring telecom enterprises to "who is responsible for access".

In other words, operators should strictly examine user qualifications. For example, in the number section of "95, 96, 400" which is the hardest hit area, if the threshold for approval and issuance is deliberately lowered to open the door for harassing enterprises, or if there is insufficient disciplinary effect on individuals and enterprise users who make harassing calls, then operators will bear the responsibility in the subsequent special rectification.