There really aren’t many ingredients.

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

I had just started using a credit card, and the bank sent me a message saying that I could apply for a limit of 50,000. Alipay also subscribes to the bank’s public account, and often sends messages saying that it can apply for gold cards with a limit of up to 50,000.

In addition, my Alipay credit score is very good, so I thought it should be possible.

To apply for Alipay, you have to go to the bank for confirmation, which is very troublesome.

In the end, the limit was only over 10,000, which made me so angry that I didn’t even want to use it.

Bank staff often call me and say that I will get better if I use it.

I replied angrily, saying that I could apply for a limit of 50,000, but you actually gave me more than 10,000, so I was too lazy to use it.

Maybe I am one of those people who don’t have a house, a car, or a mortgage, so how can I have such a high salary?

What a miserable life.

As a bank employee, nowadays social fraud methods are really difficult for everyone to guard against. I have summarized several prevention methods as follows. When receiving this text message, observe the following points to avoid being deceived:

First, we need to observe the number that sends the information, and popularize a little knowledge. Generally, the SMS service numbers of major banks are:

Please pay attention to one detail, no matter how long the service number is, the last five digits It is often the customer service hotline of the bank, such as 95566 for Bank of China and 95533 for China Construction Bank. This can roughly determine the authenticity of the information.

Second, the VIP admission standards of banks are generally based on the following items: the first category, deposits, financial management, funds and other businesses must meet certain standards (generally an average of 500,000 yuan per day); second category Category: Loans include but are not limited to house loans, car loans, mortgage loans, etc.; Category 3: customers are related occupations that are approved by bank credit cards, such as civil servants, teachers, doctors, state-owned enterprises, financial systems, etc., based on their actual situation analysis Is it possible to be admitted.

Third, check the text message content. Generally, there will be bank branch information, account manager name and contact information. Based on your business analysis in the bank, whether you are likely to be admitted, you can also use telecommunications to identify the authenticity. Fake.

Fourth, if you really need to apply for a credit card, you must go to the bank to apply for it and submit the credit card form to the bank staff.

The above points are all correct. I think there is basically no fake situation.

Pay special attention to two points when applying for a credit card:

1. Ask how much the annual fee of the credit card is and how to reduce it? Since the annual fees of some platinum credit cards are very high, banks generally offer discounts;

2. It is best to write "Only used to apply for XX bank credit card" on the copy of the ID card provided when applying to protect yourself personal information and a copy of your ID card to prevent theft.

What do you think of the above analysis of this issue?

I have been working in banking for ten years and am a financial planner. I am proficient in financial management, loans, investment and entrepreneurship. If you have questions about the entrepreneurship sector, you can follow or leave a comment, and I will try my best to answer it for you.

As shown in the picture above, this is a record of text messages my colleague received from various banks promoting credit cards. Some readers may ask why I use my colleagues’ text messages instead of my own? It’s not that I haven’t received them, but I usually classify them as spam messages and delete them directly, and add the number to the blacklist. Because I already have a lot of credit cards, I think it can fully meet my daily needs!

Of course, in order to save labor costs, banks now almost always outsource credit card promotion to third-party organizations. How much commission will be earned for a successful credit card promotion? Therefore, text messages similar to credit card promotions are generally not sent by bank customer service, but are sent in bulk through other channels.

Why do you rarely use phone calls to promote credit cards, but choose SMS promotion instead? Many readers are not clear about the reasons. I will answer your questions one by one below:

First, the cost of SMS promotion is extremely low. Because you can get a lot of discounts by sending mass text messages in large quantities, the cost of a text message may be only 0.01 cents, and you don’t need to spend any time on dedicated marketing; while making phone calls costs more, not to mention that you can only promote one customer at a time, which is very efficient. Compared with text messages, it can be said to be a world of difference!

Second, SMS promotion is “hit the nail on the head”. The credit card promotion text messages sent by each bank are carefully considered and carefully considered. How to use shorter words to win the hearts of customers is a science and the result of the joint efforts of a team. For example, congratulations on becoming my Marketing techniques such as "Special Invited User of the Bank's Platinum Credit Card" and "You are a VIP customer of our bank and can apply for a credit card of more than 50,000 yuan" can easily impress customers' hearts; however, it is difficult for telemarketing to achieve this level. Because every customer has a different way of communicating with others, it is difficult for even the most professional customer service personnel to gain anything from a single telemarketing call. Telephone marketing can be placed in follow-up, but it is never suitable to be placed in the first place. When establishing a relationship with potential customers!

This question should be divided into two. You can look at the two different types of credit card promotion text messages you receive. The first one is ". Dear XX..." This means that the bank already knows your real name in advance. You must have profile information in this bank. They will conduct targeted marketing based on the phone number you left. This It is also the most common SMS promotion method; the second is "Dear customer, Hello...", which means that the bank or credit card promotion agency does not know your personal information, they are just casting a wide net. Come and send group text messages, because phone numbers are composed of numbers and there are always rules to follow!

This is actually easy to understand. Generally, the credit card limit mentioned in the text message is the maximum limit that can be applied for, unless you Your financial situation is very good, otherwise it will be difficult for you to apply for the maximum limit. In the end, the bank needs to obtain your authorization, that is, receive your credit card application, and then check your credit card. The actual overdraft limit of your credit card can only be determined after a unified review by the competent departments. The limits of 50,000, 100,000, etc. mentioned in the text message are just to tempt you. Don’t take it seriously!

What do you think? Please leave a message in the comment area below and let’s discuss it together!

As a financial worker, I tell you that this kind of information is generally not false, because It is fake and has no real meaning. It is impossible to defraud your funds through this method.

I often receive such messages, not only on my mobile phone, but also in my personal email. When you receive this kind of information, for example, Dear Mr. (Ms.), you have passed our credit review and can apply for our bank’s credit of 200,000 yuan in Shanghai. Please apply in time; some even have larger amounts, 300,000 yuan. Yuan, and even 500,000 Yuan. It’s not convenient for me to name the specific bank here.

But I’ve always wondered how they knew my personal phone number and email address, and maybe which part of it was really personal information. It was leaked. After seeing this information, I think it should be true. But I don’t want to apply for more credit cards now. I already have 5 or 6 credit cards in several major banks. Applying for more is a burden. So I mostly ignore this kind of information.

I think there are several reasons for this phenomenon: First, the bank may have targeted some groups through a certain function and sent targeted messages. In order to find high-quality customer resources, the competition in the expansion of banks' intermediary business is now relatively high. This method is also an effective and low-cost way to acquire customers; secondly, banks entrust some intermediaries to cast a comprehensive net, and they cannot encounter any problems. The "fish" doesn't matter, they believe that someone will take the bait. Third, the personal information of some high-quality high-end customers may be leaked at some point.

If you receive this kind of information and really need a credit card, you might as well apply for one. It may be relatively easy to apply for a credit card after receiving this kind of information.

What is certain is that this text message is genuine. Although there are fake base stations that can send this kind of text message, the probability of success of this fraud method is relatively low, and scammers generally will not use it. However, the text message is genuine and you are also qualified to apply for a 50,000 credit card, but this does not mean that your application will definitely be approved.

1) Liabilities, that is, whether you have debts, loans, or deposits with other banks or this bank. If so, the probability and amount of a card will be very high.

2) Whether the credit record is good is particularly important. If it is a black account, the card will basically not be issued.

3) The bank's bank statement, if the bank statement is large, you will usually receive a similar text message.

3) Do you have other additional conditions, such as academic qualifications, work certificates, assets in your name, etc. If so, the amount of the card will generally be larger.

4) Is there anyone who recommends me? As far as I know, when applying for some large credit cards, you can have a recommender. With the recommendation of a recommender, the card limit will be very large.

But in fact, the process of credit card application, review, card production, and issuance is a relatively complicated process, and it is not completed by one department. When we receive "similar text messages", they are actually users selected by the system or manually based on the most basic conditions for applying for a credit card, such as having savings, good credit, and bank statements. When we submit information according to the link, our personal information will actually be handed over to the relevant review department for review.

Afterwards, the review department will grant corresponding quotas based on all aspects of the individual's circumstances.

So, don’t question it when you receive this kind of text message. If you really want to have a credit card, then apply for it, but when applying, you must pay attention to whether it is a real official website. As long as the guided link is a real official link, just fill it in as required. If you can't download it, that's another matter.

I believe that everyone will receive a message from time to time in reality: **Bank, you have a credit card with no annual fee, and the limit is **1,000 yuan. Click on the official website to apply....; or **Bank, in view of your With good credit, you are specially invited to apply...; or ** Bank congratulates you on becoming our bank's platinum credit card special user... This type of text message, in addition to being confused about why their information is leaked, many people are also concerned about There is a certain degree of skepticism about the authenticity of this kind of information. Is it true or false?

I can tell you with certainty that most of this information is true, but some of it contains exaggerated content. Many people will wonder if it is true, why is the information not sent from the official phone number of the bank?

Here are two points to make: First, the bank’s customer phone number is generally only available to the head office. Each branch applies for a separate number for its own marketing, but the bank itself rarely uses SMS bombing. Marketing; Second, most of the bank's current credit card business is outsourced to third-party organizations for promotion. For such organizations, the number of card openings is the main source of their performance and income, and SMS is the lowest-cost marketing method. Therefore, SMS The bombings basically come from these agencies.

To sum up, most of the text messages we received are true, but the content contains exaggerated elements. For example, they often use methods to get up to 50,000 yuan, 80,000 yuan or even 300,000 yuan. A limit of 10,000 yuan. Many people who are short of money, when they see this information, think that they can really apply for a credit card worth 50,000, 80,000, or even 300,000. However, after applying, the limit they get is often only a few thousand, so just take a look at the highest limit. , basically untrue.

One situation is a bunch of demons dancing around, just input it casually, anyway, just make up 11 digits, the information can be sent out, and cast a wide net; the other situation is more precise marketing, using various means to obtain us After personal information is sent to targeted information marketing, there are too many ways to obtain it. The most common Taobao shopping information and the information left at the agency when buying and renting a house are sold; in addition, we use various APPs or small programs to The information registered on the website has been resold, not to mention various small software and applets, even well-known APPs are still unsafe, such as the previous case where 5 billion pieces of information were leaked by JD.com employees.

Generally, such text messages are accompanied by a website address. Although most of this information is true, you cannot tell which ones are true and which ones are false. Once criminals steal this type of information and send it If the text message contains a real Trojan link, etc., then there is a risk in accessing our personal account funds. Therefore, for this kind of information, whether it is true or false, my suggestion is not to click on it, it is better to delete it directly (in case children accidentally click on it when playing with mobile phones). If you really need to apply for a credit card, you can go there yourself If you really don’t want to go to a bank branch to apply, you can also apply online through the bank’s official website. There is no need to take risks by clicking on these unknown links.

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

Once I received a text message from a bank in Guangzhou saying that I could apply for a credit card with a limit of 50,000 yuan. At that time, because I was thinking about applying for a credit card, I clicked on the link and applied for one online.

However, the limit of the card received within a few days was only 10,000 yuan.

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

There are also many credit card salesmen who will tell you at the beginning that they can apply for high-limit credit cards for you. A credit card worth more than 50,000 yuan,

If you are really naive and think you can get that high and want to try your luck, it will be a pity that you will be disappointed in the end.

Because the bank's credit limit will be comprehensively assessed, the applicant's qualifications (occupation, income, financial strength, ability to repay debts, previous credit record, etc.) and the type of card applied for (card, gold card, etc.) will be considered. Platinum card, black card, etc.) and other factors give corresponding amounts. It is not fixed, so there is no situation where you can apply for a high-limit credit card even though you are obviously a poor person.

Banks issue credit cards mainly to make money, and they will not do money-losing transactions. How could he take the risk and lend you so much money, knowing that he might not be able to get it back?

Therefore, when applying for a bank credit card, don’t just listen to the propaganda. You must have a rational evaluation and psychological expectations based on your actual situation.

This kind of situation is very common now. Jin Shijun himself also often receives it. Especially at the end of the year, in order to complete the task quota, the bank has increased a lot of such text messages and even called them. of. Not only applying for a credit card, there are also many text messages inviting people to apply for a loan, but you still need to verify whether they are true or false.

At first glance, it seems true, but this kind of text message may be just a "routine"! Whether it is a bank or a merchant doing business now, in order to increase business volume, they often organize activities. To organize an activity, you must create a gimmick. It can be to cater for holidays or anniversaries, and the bank will send you a text invitation. You might be too.

Elevating you to the level of a "VIP customer" is equivalent to the fact that only your qualifications can apply for large credit cards. This may be the reason. In fact, you may not be, it is just the bank adding credit cards. A means to increase the number of card applications.

Netizens who often shop online should also often receive similar text messages, saying that you are a premium user and have discounts on purchases, but they actually trick you into clicking on their stores. This type of text message is Collectively referred to as advertising copy text messages.

Generally speaking, this kind of SMS is entrusted by the bank to some SMS operators, using their platform, and then sent to many customers in bulk. In fact, whether you are qualified to apply for a credit card, how much credit you can get, all this You can’t say for sure, it depends on your credit report, age, income, occupation, etc.

Although this type of text message may be a mass text message, it does not rule out that you are indeed a customer selected by the bank. In real life, the bank's credit card center has mastered the user's personal account flow and other information. The bank has enough information to confirm the financial strength of the depositor.

If the bank finds out that you have not applied for a credit card, it will specifically push this kind of text message. It is worth mentioning that with this kind of invitation, applying for a credit card is more than half successful. As long as you submit enough information, it is not a problem to easily pass the application.

Regardless of whether the bank really invites you, everyone should be vigilant and not click on unknown links at will, because it cannot be ruled out that online fraudsters will also send such text messages according to their imitations.

There once was a young and handsome young man who met a fortune teller 8 years ago who said that when he was 24 years old, he would wear a yellow robe, eat big fish and meat for company, and he would have fair skin and bulging eyes every day. The woman with an upturned face greeted him with a smile. Many years later, he put on a yellow Meituan takeout uniform and started a life of delivering big fish and meat every day. Then he said a famous saying full of indignation: "I believe you, you are such a bad old man! ”

Yes, this is the answer to this question.

Years ago, credit card promotion was carried out by promoters who worked very hard to sweep the buildings. They also gave gifts when applying for the card. It is said that the first credit card that Caizhi succeeded in was when I was working in Soho Modern City in Beijing. handled. It is said that the cost of a credit card at that time was as high as one hundred yuan, including promoter fees, gift costs, card production costs, mailing costs, etc.

Nowadays, it is obvious that there is a more efficient way to use the Internet. Casting a net to catch fish by sending group text messages, or spreading bait to make fish take the bait, is obviously cheaper and more effective.

A mass text message only costs a few cents, and sending one million text messages only costs tens of thousands of yuan. Even if 5,000 people apply for a card, the benefits can be considerable.

In order to save trouble and reduce labor costs, banks often outsource credit card promotion to third-party companies, with a commission of 30-200 yuan per card. Third-party companies filter the information obtained from banks and other channels and send it in bulk, which can deliver information to target customers very efficiently.

As for the advertising copy "You are a VIP customer of our bank and can apply for a credit card worth more than 50,000 yuan", just take a look. The credit card approval process is strict. It's hard to say whether it will be 50,000 or 10,000 in the end. But as long as you apply for the card, there will be an annual fee if you don't use it. If you use it, you can charge the merchant's handling fee every time you swipe the card. In order to pay it back in the future. If you want to make money easily, you will also consider depositing in this bank. The bank will not suffer any loss in any case.

Of course, in this era where you can have food and clothing when you go out with your mobile phone, many people manage their savings on their mobile phones. For the sake of wealth security, you must not click on text message links on your mobile phone, and your Android phone must be set to prohibit the installation of programs from unknown sources to avoid encountering phishing links or unknowingly downloading and installing Trojan viruses.

Finally, it is not ruled out that fraudsters will use this method to attract customers with financial needs in the name of applying for large credit cards, and ultimately provide loan sharks, or defraud identity information for illegal crimes. Be careful as you may be saddled with online loans, so be vigilant.