Excuse me, is this true or false? I didn't apply for a loan, and I didn't have a card from Nanjing Bank. Suddenly I was afraid to change the loan.

There may be several reasons for this:

1. I have never done business in Nanjing Bank. I guess someone else misremembered the reserved phone number and sent the text message to your mobile phone. It is recommended to call the customer service telephone number of Nanjing Bank at 95302 to confirm whether the message is wrong.

Check whether you have received the money in your card. If there is, you can call the police, ignore it, and complain to the financial institution.

3. Make sure that your previous text message didn't show that you agreed to the loan. If you don't operate it yourself, you should call the bank customer service to confirm it. If you don't operate it yourself, or you are afraid of fraud, then call the police quickly.

Have you changed your new mobile phone number? If so, it is possible that the original owner of your mobile phone number used this number to bind it, and he didn't untie it, so you will receive a text message. If you don't feel at ease, you'd better go to the bank, which will make you feel more at ease.

If the loan is cheated, you should contact the local public security department for the first time. And pay attention to quickly collect relevant evidence, such as contracts, receipts, IOUs, contact information, chat records, photos, addresses, etc. The more detailed, the better.

When the police report the case, you can also pay attention to whether other people also report the case for the same loan fraud, so that you can jointly recover it. If you only report the case yourself and the amount of fraud is not large, the public security organ may not file a case. If customers find problems during the loan process, they can also report them to the financial association.

Everyone should pay more attention when handling loans at ordinary times. The loan market is mixed, and you may encounter fraudsters and loan sharks if you are not careful. Therefore, it is better for people to go to banks for loans, or choose large-scale formal lending institutions and platforms with financial licenses, rather than those small institutions and platforms for loans. Small institutions are risky and easy to be cheated or fall into the trap of usury.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.