Today, I received a phone call to apply for a credit card through SMS connection. Is it a lie?

First, most of them are deceptive. Credit cards are usually handled in business halls or mobile banking, and then you can see which bank they belong to or whether you should choose a regular bank. Now microfinance can also handle the so-called credit card business for users, but it is also a disguised microfinance, so we should choose it carefully.

Second, most of the so-called card invitation messages you receive are actually mass-sent, not formal invitations from banks. The purpose is to get a card invitation from the bank by invitation. "Dear XXX (your name), based on your good credit record in our bank. We sincerely invite you to apply for our credit card. If you can successfully apply for a card at a certain time, and find out how much the card has consumed, how much the reward is, or whether you can enjoy someone's rights and interests, "the official will generally not promise the credit card quota! Of course, the fake card SMS template is becoming more and more novel, and it is certainly not limited to the SMS format I mentioned above. Invitation messages from real banks are generally customer service calls such as 95588 95566, and some are marketing numbers that start with 106 and end with our customer service calls. Generally, the number of 1 1 is not too long, while the fake fraud number is very long, usually the number of 18-20.

Third, if you need to apply for a credit card, you'd better go to a bank in official website or a third-party cooperative institution. This can ensure information security. In particular, the bank cooperation institution has signed an agreement with the bank, and the bank recommended by the institution will give priority to approval, and the probability of issuing cards is high. In addition to the above card handling methods, there are more traditional card handling channels, such as:

1 bank agent

The advantage of the most traditional card handling method is that it can provide detailed information, which is conducive to bank approval and is considered to be beneficial to the quota.

2 shopping mall supermarket liuliudian

When you go to the supermarket, you will often see mobile card stands operated by banks. One of its biggest advantages is that it can get gifts directly. You can get it before, but now the audit is getting stricter and stricter, and it is often obtained through audit or on-site card opening.

3 make an appointment

Similar to outlets, the only difference is that you don't have to go to the bank, but you need to make an appointment in advance, and the waiting period for card processing is longer. Need to make an appointment in advance. After receiving the card, you can activate the phone or network.