What's the use of bank sending SMS to pre-credit? I didn't receive the authorization from the bank text message. Why?

My identity information may be determined because of information delay. And even if this short message is really sent by the bank, it is likely to be for "casting a wide net". Just like the promotion activities sent to you by online merchants during the Chinese New Year holiday. Many people may not need to buy it, but there is always one person who places an order in the online store after seeing the promotion. In recent years, the competition between banks has accumulated more and more, and every user is a great wealth. Behind countless credit loan text messages, there is always a person who really needs it. And this kind of person will go to the bank for consultation after seeing the text message.

1. Is it true that you received the text message of the bank credit line?

This may be true. If users have business dealings with a bank, then personal information is recorded on the platform, and the bank will naturally conduct SMS marketing for users in order to develop their business. If there is no confirmation, you can call customer service or log in to the mobile banking APP to see if there is any official notice. In addition, many loan companies will also attract customers to apply in this way, which does not necessarily mean that it is a bank.

Second, there are various reasons for not receiving SMS, including the cardholder's own reasons, the crime committed by criminals and the bank's work mistakes. Generally speaking, there are the following reasons:

First, the fund balance of the bank card account has not changed. The SMS notification function will only have this function when the bank card account balance changes, whether it is transfer or transfer, so some bank card funds have not changed for a long time, and of course they will not receive SMS notification. In reality, such a situation does exist. Some people often want to know whether the funds in their bank accounts have changed since the SMS notification was launched. Why haven't they texted for a long time? In fact, if the bank card funds have not changed, they will be notified by SMS.

Third, the change amount of bank card fund balance is lower than the set notice amount. Many bank card holders often send text messages for fear of trouble, and will set a notification amount, which will generally be 10 yuan or 50 yuan. If this amount has not changed, the SMS will naturally not remind you. According to the statistics of accounting net, Ms. Xue's bank card was stolen 666 times in four months, with a total amount of more than 8,000 yuan. Ms. Xue opened the SMS reminder function, but did not receive the SMS notification. According to the investigation, Ms. Xue set the SMS reminder amount as 10 yuan, and only when each expenditure exceeds 10 yuan system will information be sent, while the criminals who swiped Ms. Xue's bank card set the credit card expenditure as 9.99 yuan, so Ms. Xue did not receive the SMS notification of fund change. So to be on the safe side, you can set the fund change amount to all, so that even if you change a penny, you will be notified by SMS.