Joke Collection Website - Public benefit messages - What if my mobile phone is borrowed by someone I don't know? I have sent all the text messages.

What if my mobile phone is borrowed by someone I don't know? I have sent all the text messages.

1. What should I do if my mobile phone is borrowed by someone I don't know? I have sent all the text messages.

It's all written and ignored, which proves that he is blind! If it is really a loan, it is not ambiguous information!

Second, what if the mobile phone number is used by others for loans?

If the mobile phone number is used by others for loans, the customer lending institution will contact to explain the situation and ask the lending institution to handle it in time. Under normal circumstances, the customer's mobile phone number is the contact person, or the former draftsman applies for a loan, which has little impact on the customer.

If the customer is in debt because of theft, he can actually apply for a loan successfully without worrying too much about the judgment.

1. Customer's ID card.

2. Customer inspection

3. Customer's bank card.

4, you need to go through face recognition. respect

Some of the above information needs to be the same person to successfully borrow money, so in this case, customers don't need to be used to borrow money, because the conditions they want to achieve are harsh, and of course, they should pay attention to protecting their privacy in daily life.

3. What will happen if the mobile phone number is used by others for loan?

If the mobile phone number is used by others for loan, because the other party fills in his own contact information, when the other party fails to repay, the lending institution/platform may directly find himself, mistakenly thinking that he applied for a loan, and then ask him to repay. In this regard, the customer must clearly explain the situation to the lending institution/platform, explain that the loan was not made by himself, and request to terminate the lending relationship. If it is necessary to recover the money, you can go to the real borrower. We also need to note that if the other party has obtained other information, it is completely borrowing money by using its own identity. Once the other party fails to pay it back within the time limit, I am afraid that personal credit will be damaged and its subsequent credit business will be blocked. Customers are advised to take good care of their personal information at ordinary times, and never tell others their mobile phone number, ID number and other related information at will, so as to avoid information leakage and security risks. It is best to choose a licensed consumer financial institution to borrow money, and don't borrow money from an unknown small loan company, otherwise the account security may not be adequately guaranteed and the information will be easily leaked. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong. Payment method: 1. Matching principal and interest repayment: that is, the sum of loan principal and interest is repaid by matching monthly. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; 2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; 3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis; 4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. 5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures. 6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.