Don't believe it easily when you receive a bank message. You need to keep your eyes open and be alert.

I believe many people have received information from banks, some of which are about the benefits of handling credit cards, or telling you that you have met the conditions for raising the limit. Click on the link to raise the limit. Short messages may come from well-known banks or banks that have never done business, but do these short messages really come from banks? Cai Xiao reminded everyone that they needed to be vigilant.

Ms. Liu, a citizen, said, "It is no problem for banks to open their own accounts, but some banks have never handled business and received text messages. It feels quite fake." Ms. Liu raised the question: Are these short messages reliable? Is it really from the bank?

She now has three credit cards, namely China Merchants Bank, Shanghai Pudong Development Bank and Minsheng Bank. These days, she has always received strange SMS reminders that her credit score has reached the standard, and invited her to apply for the platinum card of the bank online before April 1. Ms Liu has never applied for a credit card from this bank. Why did she send a card reminder?

The bank's senior financial planner said that the source of the so-called card invitation SMS is complicated. Some are sent by third-party cooperative organizations of financial institutions, and some are sent by individuals. They get a large number of mobile phone numbers and send them in groups in order to earn the number of card holders.

There are also virus links sent by fraud gangs. Once you click the link to fill in the information, it is possible that the data will be stolen and the bank card funds will be emptied. Therefore, if you encounter suspicious messages, you'd better delete them immediately if you don't need them, so as not to delay the link and suffer losses.

Therefore, Cai Xiao reminds everyone that before verifying the authenticity of the credit card short message, you must not click on the link in the short message, let alone dial the phone left in the short message, and don't call back with your mobile phone (if you must call back, you should also use a fixed phone). Don't say your ID number, credit card number, payment password, expiration date and the last three digits of the signature column on the back of the credit card at any time, any place and anyone at the same time (that is, CVV code, also known as "the last three digits"). If you really can't tell whether a message is false or not, call the bank's customer service phone. This is the safest way to verify.