I didn't receive the overdue text message.

If it is a new card, it is likely that the previous person used this mobile phone number. The bank reserved this mobile phone number when he took out the loan, and later changed it. He didn't go to the bank to change his mobile phone number in time, so the short message sent by the bank will continue to this number.

You can call the labor service of CCB and ask for a change to prove that the original mobile phone number owner has cancelled the number, and now it is your mobile phone number.

Supplementary information:

1. I received a reminder that I haven't borrowed money yet, for the following reasons. I might as well check my own situation:

1. Your mobile phone number is bound to a bank card or a third-party platform by someone who has used it before, and the other party has a loan, so the collection SMS will be sent to the bound number.

2. You borrowed money from other places, and the third party collected short messages from other channels in order to contact you. Some friends have received similar information for this reason before.

Your information was leaked and someone borrowed money in your name. Overdue repayment after borrowing.

Anyway, the most important thing you need to do now is to apply for a personal credit report from the People's Bank of China, official website. As long as there is no such loan information in the credit report, the problem is not big. You can also call according to SMS to inquire about the specific situation.

Second, there is no loan demand, but I have been receiving loan invitation text messages.

I don't know if you have noticed that there will always be some loan invitations similar to online loans for no reason, and even tens of thousands of loan quotas have been approved. This kind of short message makes people look happy. After all, how good their credit is, they can always borrow tens of thousands of dollars easily. However, this is not the case. After seeing this short message, most people will click on the link above to download a loan APP. After downloading, they filled out a lot of application materials, and finally they were rejected and couldn't pass. They came in embarrassed and finally went out embarrassed.

This kind of short message is called marketing short message in business circle, but it is called spam short message in our life. Spam messages refer to messages that users don't want to receive without their consent, or messages that users can't refuse to receive according to their own wishes, which mainly include the following attributes: (1) messages such as business and advertisements sent to users without their consent; (two) other short messages that violate the self-discipline norms of the industry. The proliferation of spam messages has seriously affected people's normal life, the image of operators and even social stability.

Information leaked, I was included in the big data of this online loan. Many companies will only send marketing messages to accurate users when pushing, and it is impossible to send text messages to the people of the whole country. If so, how much will the online loan company burn a year? If you receive this information, just don't download and fill in the information. Once you fill it out, you will find that there are more and more short messages inviting you to borrow money, and finally you can receive dozens of them every day.

Just recently, the EU promulgated the General Data Protection Regulation (GDPR), which will be enforced from now on. This so-called strictest data protection bill in history will make some practices that people are used to invading privacy no longer legal. Once the GDPR Act was promulgated, it was recognized as the strictest law to protect users' personal data in the world. The bill stipulates that the maximum fine for illegal enterprises can reach 20 million euros (about 65.438+0.5 billion yuan) or 4% of its global turnover, whichever is higher.

But this regulation can only play an obvious role in the EU, but it does not appear in our life. But in fact, in recent years, China has been constantly promoting the protection of personal data of netizens. As early as 2003, the National People's Congress put forward the Personal Data Protection Law and has been working hard for it. In 2009, the criminal law amendment added the crime of infringing citizens' personal information, and the consumer protection law of 20 13 added the content of protecting consumers' personal secrets. 20 16 Network Security Law clarifies the legal obligations of data controllers and processors to ensure network security and protect the legitimate rights and interests of data subjects. The Interpretation on Handling Criminal Cases of Infringement of Citizens' Personal Information, jointly promulgated by the Supreme People's Procuratorate and the Supreme Law on 20 16, clearly explains or stipulates uncertain concepts such as "personal information", "violation of relevant state regulations", "providing citizens' personal information" and "serious circumstances".

In fact, I think the era of big data is really terrible. In addition to sharing your loan application information, your application records, overdue records, repayment records, etc. It can be seen at a glance on the resource sharing platform of an online loan. Personal information, photos of ID cards and photos of hand-held ID cards may be leaked at any time. If this information is stored in the hands of some lawless elements, it will provide them with a way to handle bank cards and mobile phone cards. Imagine, is it really horrible? Therefore, Bian Xiao suggested that people should try to choose a formal platform or bank channel when they are short of money, so that they don't have to worry about personal information disclosure.