Received the message "You are a VIP customer of our bank, and you can apply for more than 50,000 credit cards". Is it true?/You don't say.

There are really not many ingredients.

I used to receive such information and then apply for a credit card.

Shortly after I started using credit cards, the bank sent me a message saying that I could apply for a limit of 50 thousand. Alipay also subscribed to the official account of the bank WeChat, and often sent a message saying that it can handle a gold card with a maximum amount of 50,000.

Plus my Alipay credit score is excellent, I think it should be ok.

Alipay has to go to the bank to confirm, which is very troublesome.

In the end, I only got a quota of more than 1 1,000, and I was so angry that I didn't want to use it.

Bank staff often call me and say that it is expensive to use.

I was very angry. I said I could handle the 50 thousand quota, and you gave me more than 10 thousand points, so I was too lazy to use it

Maybe I belong to the kind of person who has no house, car or mortgage, so I can be so tall.

What bad luck.

As a bank employee, social fraud is hard to prevent now. I have summarized several preventive measures as follows. When I receive this message, I can avoid being cheated by following the following points:

First, we should observe the quantity of information distribution and popularize a little knowledge. Generally speaking, the SMS service numbers of major banks are:

Pay attention to one detail No matter how long the service number is, the last five are often the customer service hotlines of banks, such as 95566 of China Bank and 95533 of China Construction Bank, which can roughly distinguish the authenticity of information.

Second, the VIP access standards of banks are generally based on these projects. The first category, deposits, wealth management, funds and other businesses reach a certain standard (generally 500,000 yuan per day); 2. Loans include but are not limited to mortgage, car loan and mortgage loan. The third category, customers are related occupations admitted by bank credit cards, such as civil servants, teachers, doctors, state-owned enterprises, financial systems and so on. And analyze whether it is possible to be admitted according to your actual situation.

Third, check the content of the message. Generally, there will be bank outlet information, account manager's name and contact information. According to your own business in the bank, you can analyze whether it is possible to be admitted, and you can also identify the authenticity through telecommunications.

Fourth, if you really need to apply for a credit card, remember to go to the bank and give the credit card form to the bank staff.

All of the above can be done. I think there is basically no fraud.

Pay special attention to two points in the process of handling credit cards:

1. Ask how to reduce the annual fee of this credit card. Due to the high annual fee of some platinum credit cards, banks generally have relief activities;

2. It is best to write "only used for XX bank credit card" on the copy of ID card provided at the time of handling, and protect your personal information and copy of ID card to prevent theft.

How to treat the above analysis of this problem?

I have worked in a bank for ten years. I am a financial planner. I am proficient in financing loans, investment and entrepreneurship. Please pay attention or leave a comment, and I will try my best to answer your questions.

As shown above, this is the record of credit card promotion messages received by my colleagues from various banks. Some readers may ask why I use my colleagues' text messages instead of mine. It's not that I didn't receive it. I usually delete it as spam and put the number on the blacklist. Because I have many credit cards, I think it can fully meet my daily needs!

Of course, in order to save labor costs, banks almost always outsource credit card promotion to third parties, and how much commission do they get for successful credit card promotion? Therefore, short messages similar to credit card promotions are generally not sent by bank customer service, but are sent in groups through other channels.

Why do you seldom use telephone to promote credit cards, but choose SMS to promote them? Many readers don't know why. I will answer your questions one by one:

First, the cost of SMS promotion is extremely low. Because a large number of short messages can get many discounts, the cost of a short message may be only 0.0 1 minute, and it doesn't take much time to specialize in marketing; Moreover, the cost of calling is higher, not to mention that only one customer can be promoted at a time, and the efficiency can be said to be different from SMS!

Second, SMS promotes "hit the nail on the head". The credit card promotion information sent by each bank is well thought out and carefully examined. How to win the hearts of customers with shorter words is a science and the crystallization of a team work. For example, congratulations on becoming a special guest of our platinum credit card, and marketing words such as "You are a VIP customer of our bank, and you can apply for more than 50,000 credit cards" can easily touch customers' hearts. Telemarketing is difficult to achieve this level, because each customer communicates with others in different ways, and even the most professional customer service staff can hardly gain something from a telemarketing. Telemarketing can be put in the follow-up aspect, but it is definitely not suitable for establishing a relationship with potential customers for the first time!

This problem is divided into two parts. You can see that there are two different types of credit card promotion information. The first one is "Dear XX", which means that the bank has known your real name in advance. You must have file information in this bank, and they have targeted marketing according to your phone number, which is also the most common way to promote SMS. The second type is "Dear customer, hello ...", which means that the bank or credit card promotion agency doesn't know your personal information, and only sends short messages in the form of casting a wide net, because phone numbers are all composed of numbers, and there are always rules to follow!

This is actually very easy to understand. The credit card limit mentioned in general text messages is the maximum amount that can be applied for. Unless your financial situation is very good, it is difficult for you to apply for the maximum amount. In the end, you need the bank to obtain your authorization first, that is, to receive your credit card application, and then to check your credit information. Only after the unified examination by the competent department can the actual overdraft limit of your credit card be finally determined. The lines of 50,000 yuan and100,000 yuan mentioned in the text message are just for the purpose of seducing you. Don't take it seriously!

what do you think? Welcome to leave a message in the comment area below, and let's discuss it together!

As a financial worker, I told the subject that this kind of information is generally not false, because it is false and has no substantive significance, and it is impossible to defraud your funds by this means.

I often receive this kind of information, not only on my mobile phone, but also in my personal mailbox. For example, dear sir (madam), you have passed our credit check and can apply for a credit of 200,000 yuan from our bank in Shanghai. Please deal with it in time; Some are even larger, ranging from 300,000 yuan to 500,000 yuan. I can't say the specific bank name here.

It's just that I've always been curious about how they know my personal mobile phone and email address. Maybe my personal information has really been leaked. Seeing this information, I think it should be true. I just don't want to apply for any more credit cards now. I personally have five or six credit cards in several big banks, which is a burden, so I mostly ignore this kind of information.

I think there are several reasons for these phenomena. First, banks may target some people through some functions, send targeted messages, and find high-quality customer resources. Nowadays, the competitive pressure of bank intermediary business expansion is greater, which is also an effective and low-cost way to obtain customers. Second, banks entrust some intermediaries to cast their nets in an all-round way. It doesn't matter if they don't touch the fish. They believe that there will always be bait. Third, the personal information of some high-quality and high-end customers may be leaked at some point.

If you really need a credit card after receiving this message, you might as well get one. It may be much easier to apply for a credit card after receiving such information.

To be sure, this short message is true. Although there are pseudo base stations that can send such short messages, the probability of success of this fraud method is relatively low, and scammers generally do not use it. However, the text message is true and you are eligible to "apply for a 50,000 credit card", but this does not mean that your application will be approved.

1) Liabilities, that is, whether there are debts, loans or deposits in other banks or the Bank, and if there are, the probability and amount of issuing cards will be great.

2) Good credit record is particularly important. If it is a black account, it will basically not be sent.

3) The flowing water of the bank. If the bank has a large flow of water, it will generally receive similar text messages.

3) Whether there are other additional conditions, such as educational background, work certificate, assets under personal name, etc. If there is, the amount of cards issued will generally be relatively large.

4) Do you have any recommendations? As far as I know, when applying for some large credit cards, you can have references, and the credit card quota will be very large.

But in fact, it is a complicated process in the process of credit card application, examination, card making and distribution, which cannot be completed by one department. When we receive a "similar message", it is actually a user selected manually by the system according to the most basic conditions for applying for a credit card, such as deposit, good credit, bank flow, etc. And when we submit information according to the link, our personal information will really be submitted to the relevant audit department for review.

After that, the audit department will give the corresponding amount according to the individual's various circumstances.

Therefore, there is no doubt when you receive this kind of message. If you really want to get a credit card, apply for it, but you must pay attention to whether it is a real official website. As long as the guide link is a real official link, you can fill it in as required, but if you can't get it off, it's another matter.

I believe that everyone in reality will receive a card from time to time: * * Bank, you have a credit card free of annual fee, with a limit of * * 10,000 yuan. Click official website to apply ...; Or * * bank invites you to handle ... in view of your good reputation; Or * * Bank congratulates you on becoming a special user of our Platinum Credit Card ... This kind of short message, many people are confused about why their information is leaked, but also have some doubts about the authenticity of this kind of information. Is it true or not?

I can tell you for sure that most of this information is true, but some of it contains exaggerated elements. Many people will think, if it is true, why is it not the information sent by the official phone of the bank?

There are two points to be said here: first, only the head office has the right to use the telephone number of the bank's customers, and each branch applies for another number for marketing, but the bank itself rarely bombards marketing with SMS; Second, at present, most of the bank's credit card business is outsourced to third-party organizations for promotion. For such institutions, the amount of credit cards opened is the main source of their performance and income, and SMS is the lowest cost marketing method, so SMS bombing basically comes from these institutions.

To sum up, most of the short messages we received are true, but the content contains exaggerated elements. For example, the method they often use is to get the maximum quota of 50,000, 80,000 or even 300,000. Many people who are short of money think that they can really get 50,000, 80,000 or even 300,000 cards when they see this information. As a result, the amount after application is often only a few thousand, so just looking at this maximum amount is basically untrue.

In one case, the group is dancing wildly, so you can enter it at will. Anyway, you can compile 1 1 digits, and the information can be sent out, so that you can spread the net widely; The other is more accurate marketing. After obtaining our personal information through various means, we will send targeted information marketing. As for too many ways to get it, the most common Taobao shopping information and the information left by the intermediary office to buy a house and rent a house are sold; Furthermore, the information we registered on various apps or applets has been resold, not to mention various applets and applets. Even well-known applications are still insecure, such as the 5 billion pieces of information leaked by employees in JD.COM.

Generally, this kind of short message is accompanied by a website address. Although most of this information is true, you can't tell which is true and which is false. Once a criminal steals this information mode and sends a short message, and the attached Trojan link is true, it is risky to click into our personal account. So for this kind of information, whether it is true or not, my suggestion is that it is better to delete it directly (in case the child is not careful when playing with the mobile phone). If you really need to apply for a credit card, you can go to the bank's outlets yourself. If you really don't want to go to the outlet, you can also apply online through the bank official website. There is no need to risk clicking on these unknown links.

I feel I have a say in this issue. Because this has happened to me.

I once received a short message from a bank in Guangzhou, saying that I could apply for a credit card with a limit of 50,000. At that time, I applied for a credit card online by clicking the link.

However, the card collection amount is only 10000 yuan in a few days.

In fact, similar situations are basically just routines used by banks to issue more credit cards.

There are also many credit card salesmen who told you from the beginning that they can give you a high credit card of more than 50 thousand.

If you really think you can be that tall and want to take a chance, you will be disappointed in the end. What a pity.

Because the bank's credit line will be comprehensively evaluated, the applicant's qualifications (occupation, income, economic strength, solvency, past credit records, etc.) will be comprehensively considered to give the corresponding credit line. ) and the type of application card (card, gold card, platinum card, black card, etc. ). It is not fixed, so there is no situation where you can get a high credit card when you are obviously poor.

The main purpose of bank credit card is to make money, and he will not do business that loses money. Knowing that the borrowed money may not be collected, how could he risk lending you so much money?

Therefore, to run a bank credit card, we should not only listen to publicity, but also have a rational evaluation and psychological expectation according to our actual situation.

This kind of situation is very common now, including Jin himself. Especially by the end of the year, in order to complete the task index, such text messages have increased a lot, and even there are phone calls. There are not only credit cards, but also many short messages inviting loans, but whether they are true or not needs to be verified.

At first glance, it seems to be true, but this kind of short message may be just a "routine"! In order to increase the business volume, banks and businesses that do business now often engage in activities, which can cater to holidays or anniversaries, and banks may send text messages to invite you.

Promoting you to the level of "VIP customer" is equivalent to being qualified for a large credit card only based on your qualifications. That's probably why. Actually, you may not be. It's just a way for banks to increase the number of credit cards.

Netizens who often shop online should also receive similar text messages, saying that you are an advanced user or something, but in fact they cheat you into clicking on their stores. This kind of short message is collectively called advertising copy short message.

Generally speaking, this kind of short message is that banks entrust some short message operators to use their platforms, and then send them to many customers in groups. In fact, whether you are qualified to apply for a credit card and how much credit you can get are all uncertain, depending on your credit information, age, income, occupation and so on.

Although this kind of short message may be a group activity short message, it does not rule out that you are indeed the customer selected by the bank. In real life, the bank credit card center has mastered the information of users' personal accounts, and the bank has enough information to confirm the financial strength of depositors.

If the bank finds that you haven't got a credit card yet, it will push this kind of short message specially. It is worth mentioning that with this invitation, you have successfully obtained more than half of the credit cards. As long as sufficient information is submitted, it is not a problem to easily pass the application.

Whether the bank really invites you or not, everyone should be vigilant. Don't click on unknown links at will, because it is not excluded that online fraudsters will send such messages like gourd painting gourd ladle.

There was once a handsome young man who met a fortune-teller eight years ago and said that when he was 24 years old, he would wear a yellow robe, eat big fish and meat as his companion, and every day beautiful women greeted him with smiles. Many years later, he put on the yellow overalls of the Meituan takeaway and began to deliver big fish and meat every day, so he said a well-known sentence with indignation: "I believe you are a ghost, you bad old man!"

Yes, this is the answer to this question.

Many years ago, the promotion of credit cards was done by promoters who worked hard to sweep the building, and the cards were also given away. It is said that the first credit card of Caizhi's success was handled when he was working in soho Modern City in Beijing. It is said that the cost of a credit card at that time was as high as 100 yuan, including promotion personnel expenses, gift expenses, business card printing expenses, mailing expenses and so on.

Nowadays, it is obvious that there are more effective ways to use the Internet. Sending text messages in groups or putting bait to let the fish take the initiative to take the bait is obviously cheaper and more effective.

A mass SMS is only a few cents, and the cost of sending1100,000 SMS is only tens of thousands. Even if 5000 people do the card, the income they can get is very considerable.

In order to save trouble and reduce labor costs, banks often outsource the promotion of credit cards to third-party companies, and a card costs 30-30% of that in 200 yuan. Third-party companies can send information to target customers very efficiently by filtering information obtained from banks and other channels.

As for the advertising copy "You are a VIP customer of our bank, you can apply for a credit card of more than 50,000 yuan", just take a look and you will know. The credit card approval process is strict, and it is hard to say whether it is 50,000 yuan or 1 10,000 yuan in the end. However, as long as there is a card, there will be an annual fee if it is not used. After use, you can charge the merchant's handling fee every time you swipe your card. In the future, you will consider depositing in the bank for the convenience of repayment, and the bank will not lose money anyway.

Of course, in this era when you can eat and wear with your mobile phone, many people's deposits are managed on their mobile phones. For the sake of wealth security, SMS links must not be clicked, and Android phones must be set to prohibit the installation of programs of unknown origin, so as not to encounter phishing links or unconsciously download and install Trojan viruses.

Finally, it is not ruled out that fraudsters will use this method to fish, attract customers with capital needs in the name of handling large credit cards, and eventually provide usury, or defraud identity information to commit crimes. If you are not careful, you may carry the burden of online loans, so you must be vigilant.