Inexplicably received a collection message claiming to be Minsheng Bank. What should I do?

In fact, in my daily life, I have also received such short messages. I obviously didn't have a bank card or any transaction record with the bank, but I actually received a reminder message. This is mainly because the mobile phone number you handled may have been used by this person before, and her reserved mobile phone number has not changed, so the bank sent the text message to your mobile phone. So I will discuss it with you today. What should you do if the bank sends you such a short message?

First, short messages from banks can be handled without exception.

The main reason for doing this is that you can first confirm that you have not done any business in Minsheng Bank and have no financial entanglements with them. As long as you can confirm this, they can send you a text message, and you can ignore it. Because to some extent, banks are obliged to check whether their reserved mobile phone number is the current owner? If not, some of the impact should be borne by banks.

Second, you can call the bank.

If you don't know if you have ever done business in this bank, or have some economic disputes, you'd better call the bank to see if there is any debt. If it does exist, see if it can be solved by private letter, and try not to let this collection message affect your credit information.

Third, how to treat such a thing?

Because most collections are made by SMS, many people have received such messages in their daily lives, and they also hope that banks can update their information. If the owner of the reserved mobile phone number has changed his name, he should find a new owner instead of sending the SMS to the original mobile phone number, which will cause great trouble, but most banks have not chosen to do so now, mainly because it may cause great costs. At the same time, it is necessary to retrieve data from various companies.