I received it for no reason. What happened to consumer finance in loans overdue?

If the user has registered the amount of immediate consumption, or applied for a loan product of immediate consumption finance, then it is possible to receive a short message from immediate consumption finance. Users who have not registered for immediate financing or applied for immediate financing loan products can directly ignore short messages such as advertising promotion and registration verification code.

If users receive dunning messages, they should pay attention to the repayment time and repay on time, otherwise there will be overdue records uploaded to the credit information.

If you don't apply for instant consumer finance, but you receive the verification code, it is mostly because the user information is leaked and taken to the online loan, or the police tricked the SMS fraud. Once the user enters the verification code on the pushed website as required, it is very likely to cause financial losses.

It is suggested that if you want to apply for a loan, you should go through the channels designated by the official process, such as loan app, official WeChat WeChat official account and official website. Others should protect their privacy and don't disclose your ID number and mobile phone number to others.

1, phishing website. In order to cheat users' information and funds, many illegal websites will pretend to be various platforms to send collection messages, taking advantage of users' fear of overdue to cheat. Don't pay attention to this situation, and don't click on the link sent by the other party, which will easily lead to information leakage.

2. Just because the user didn't apply for a loan immediately doesn't mean that the relatives and friends around him didn't. If the other party leaves a contact number when applying, the platform will also send a reminder message. When the platform collection is confirmed to be true, it can help the borrower to solve the problem, or directly explain the situation to avoid being harassed again.

3. It is also possible that the user's personal information was stolen and he immediately applied for a loan. In particular, people who are close to themselves have applied for registration after obtaining the personal information of users. It is suggested to explain the situation to the platform in time and call the police if necessary.

The above is the answer to "How to deal with overdue loans received from consumer finance immediately without reason". Generally speaking, this situation is probably due to phishing website fraud, information left by its borrower or personal data leaked and lent. After finding the possible reasons, we will solve them in detail.