What should I do if I receive a reminder message from Ping An Bank?

Users don't need to panic when they receive overdue short messages. Many times users receive overdue short messages, which is not necessarily that users are really overdue. It can be handled in the following four ways.

1. Check whether the loan in his name is overdue.

The short message received by the user is sent by the consumer finance company. Users can find out whether the loan under their name is overdue by querying the personal credit report and the loan APP. Users are advised to check the personal credit report first, because the loan records of loans issued by consumer finance companies will be reported, so users can know whether there is loans overdue under their name by checking the credit.

2. Verify whether the message content is accurate.

(1) The user confirms that the loan under his name is indeed overdue through the first step, and needs to verify the accuracy of the text message. Usually, the content of short messages will include specific loan products, overdue amount, overdue days and so on. If it can correspond to the overdue information of the user, then this short message is indeed sent by a consumer finance company.

(2) Through the first step, the user confirms that there is no overdue loan under his name, which may be a mistake made by the consumer finance company when sending short messages in groups. At this point, the user can directly ignore the expired SMS without further operation.

3. Return overdue debts.

Users have confirmed the existence of loans overdue, and should pay off overdue debts as soon as possible according to the requirements of overdue SMS. After paying off overdue debts, users can choose to contact the lending institution again, such as asking for non-malicious overdue certificate after the loan is paid off, or applying for partial exemption from overdue fees and not uploading overdue records. After paying off the overdue debt, the user will make a request to the consumer finance company. At this time, consumer finance companies will consider agreeing to the user's requirements as appropriate.

4. Return the remaining payable amount on time.

Users have paid off their overdue debts and will not encounter any collection from consumer finance companies. But users still need to repay the remaining amount on time. Otherwise, once overdue, the user will receive a reminder message from the consumer finance company again.

Users can solve the problem according to the above four measures when they receive the short message of consumer finance saying that it is seriously overdue. When receiving the reminder information, the user should not panic at first. After all, users have not verified the truth of the matter, and blind panic will affect users' judgment. Only by calming down and dealing with it calmly can users solve problems better.

Extended data:

How to report SMS harassment?

According to the degree of harassment or malicious situation, there are different ways to report, as follows:

1, reporting complaints to lending institutions.

2. Report complaints to the CBRC.

3. Report the telephone number 1232 1 to the acceptance center.

Step 4 call the police directly