I received two short messages this morning inexplicably, saying that they were online verification codes of Bank of Communications credit cards, but I didn't handle them. What happened?

There are many possibilities for this to happen:

1, which was registered by someone who used to use your number. Now the number of China Mobile Unicom is tight, and those numbers that have been down for several months have been resold into the market, leading to your situation;

2. It may be a fraudulent link message, and the information in the message is meaningless. Links may point to phishing websites set up by fraudsters, and your personal information is used for fraudulent purposes;

3. Someone maliciously uses software to register your mobile phone number on various websites for profit, which is also a kind of online fraud. If you happen to have registered on one of the websites yourself and entered the verification code, the other party can steal your personal information.

In view of the above situation, if you have opened the bank's credit card yourself, you can call the customer service hotline for feedback or directly inquire at the bank counter. If you have not applied for a credit card, you can ignore it.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).