1. Is Agricultural Bank of China’s SMS credit extension reliable?

The pre-granted credit limit sent by Agricultural Bank of China via text message is true, but it is not necessarily the true amount of the loan.

The Agricultural Bank of China’s pre-credit 3 refers to the estimated loan limit given by the Agricultural Bank of China after comprehensively evaluating the customer’s credit status and repayment ability. However, this limit is only a preliminary estimate and does not It is not a real credit limit. If you want to withdraw the credit limit later, you will often need to go through more stringent review again.

Credit line is a line of loan funds provided by banks or other lending institutions to customers that can be used repeatedly. Only the credit line can be withdrawn, so be clear when borrowing.

2. The "bank" sent you a text message offering you a credit of hundreds of thousands of yuan. Is this information credible?

If you believe this kind of information easily, that is where the trouble begins.

I believe many people have received similar messages: Dear customer of such-and-such bank, our company has granted you 198,000 yuan, which will expire in such and such month of such and such year, and can be used for daily consumption, house decoration, and business congestion. , check the interest rate and reply 1, apply and reply T, unsubscribe and reply T:

Some people will be more excited when they see this kind of text message, especially those customers who are in urgent need of money, but after thinking about it, “I don’t have a car or a house, can the bank really give me so much credit?”

Indeed, it is impossible for banks to easily give you such a large credit limit. The reason why you receive such text messages is just a marketing method used by banks or some loan assistance agencies to spread the net:

There are two entities sending such text messages, one of the few being banks. Although the Ministry of Industry and Information Technology has clearly strengthened the management of harassing calls and protected the legitimate rights and interests of users, everyone is sending them, whether they are large banks or small banks. When you see others posting but you don't, you always feel like you are "suffering", for fear that potential customers will be snatched away by other banks.

Users who have no loan needs will directly ignore this kind of information, but if you send 100 messages, there will always be several potential customers. These potential customers can bring benefits to the bank, including but not limited to loans, Business types such as reserve funds and bill installments.

The credit limit reflected in the promotional text message is generally relatively large, around hundreds of thousands, which is too small and no one will pay attention to it. Write a larger credit limit to attract attention.

But the so-called large limit is not your real limit, it is just a "template". You can figure it out with your toes. Whenever a bank grants a credit line to a customer, it must go through a credit inquiry, asset analysis, and stability analysis. The credit inquiry must be authorized by the customer, and the bank has no right to inquire without authorization. In terms of assets, the bank has no idea, so how can it easily give you a higher credit limit? It's nothing short of a fantasy.

It is undeniable that if you really contact the bank through this kind of text message, it is indeed possible to obtain financing, but it is definitely not such a large amount. It may only be a loan of tens of thousands, or even only Just a credit card with a limit of several thousand yuan.

What’s more, because of poor credit, or the inability to provide effective asset mortgages or guarantor guarantees, in the end you still won’t be able to get a penny.

In fact, the success rate of acquiring customers through this method of casting a wide net is extremely low. Just imagine, among all the users who receive text messages, some are not short of money at all, and some have good qualifications. Some people go directly to the bank to apply. Only those who are really short of money but suffer from no financing channels will seek medical treatment in a hurry. In the end, they will be rejected due to credit problems and asset problems.

Although the success rate of customer acquisition is extremely low, for banks, the cost is not high, usually only a few cents, and the cost can be recovered by getting one successful customer.

Except for a few banks that will send such text messages, most of them are not sent by banks, but by some loan assistance intermediaries.

Take the text message I received above as an example. Although it is advertised as "such and such bank", insiders can tell at a glance that it is not from a bank. The biggest flaw is that consumer loans and business loans are They are all lumped together, but bank loans are very clearly divided, with very different interest rates and repayment methods. Banks often have two departments, one responsible for consumer loans and one for business loans. How can it be possible to grant a unified credit of 198,000? ?

This kind of obviously erroneous information can basically be determined to be sent by some loan assistance intermediary companies. If you reply to the "interest rate inquiry", someone will call you in the next step and ask you to provide various information. Proof of identity information and proof of assets, and then use these documents to help you apply randomly.

This kind of behavior of loan assistance intermediaries has three "danger points" for customers. First, personal information is leaked, and identity information, home address, etc. are exposed, endangering the security of personal information; second, intermediaries You will apply randomly, which will eventually lead to too many credit inquiry records and "spend" your credit; third, you will be labeled as a "customer in urgent need of money", and then your mobile phone number will be transferred to other intermediaries, and people will continue to use it. It's unbearable to send you text messages and call you to promote various loan businesses.

Of course, as the saying goes, all hustle and bustle is beneficial. Intermediaries will not provide you with free financing. They will generally charge a "handling fee" ranging from a few points to dozens of points. It is not even ruled out that there are " In the case of "cutting off the interest rate", the financing cost is much higher than going to the bank directly.

A special reminder is that if the intermediary simply helps customers apply for loans to earn handling fees, it is okay. Some of this information is directly followed by a link. Be sure to remember that the sending party is unknown. Be sure not to click on text message links. There is a high probability that this is information, and it will induce you step by step to pay various "deposits", "withdrawal fees", "handling fees", "proof of repayment ability", etc., and finally Not only will you be unable to get a loan, you will also lose money. This kind of case happens frequently, so be sure not to click on any links easily.

Finally, if you really need funds, you should go to a bank branch for consultation. Don’t take the bait just to save trouble. It will be too late to regret it later.

When you encounter this kind of text message, you can just block or block it. If things go on like this, you will be regarded as a "non-potential customer" by the organization, or you will think that this mobile phone number is not used. Over time, you will receive this message. The probability of sending text messages is greatly reduced. Correspondingly, the more you reply, the more and more messages you will receive, which is simply unbearable.

Dear customers of xx Bank, our bank can limit your 1,000,000 limit to expire on 2. Unsubscribe and return to T.

I believe many people have received text messages like this, but every time I receive such a text message, I am really happy and angry.

The good news is that many people feel very proud when they suddenly see that they can apply for such a large amount of bank loans. It turns out that their conditions are so good and the bank thinks so highly of them.

The annoying thing is, seeing such a large loan amount, when you reply to check the interest rate, you will immediately receive a phone call. On the phone, some staff members will be very enthusiastic and make various promises to you.

But when you actually go to apply for it on site, you will find that these hundreds of thousands or millions of quotas are all bluffing. It is impossible for most people to get a loan from the bank, even if you The amount of money you can borrow from a bank cannot be that high.

I have worked in the credit industry for many years and am very familiar with this kind of marketing routine. I can tell you for sure that short-term loans like this are most likely issued by some intermediaries and not by banks at all. .

First, bank marketing is subject to strict supervision. If the bank does not know everyone’s mobile phone number and sends messages to everyone casually, this itself is a violation. If a user complains to the bank, the complaint will be correct, so the bank I simply don't dare to do such illegal things.

Second, banks are very strict in reviewing customers and are very cautious in doing things. It is impossible to just tell users how much credit you have. Banks need to go through the review before granting credit. It is impossible to give you a quota first and then grant credit.

Third, even if some banks send similar text messages, it is impossible to give an accurate limit, and they usually give a vague limit.

And when banks send similar text messages, they are definitely not promoting loans, they must be promoting credit cards, and they are credit card installments, temporary limits, or reserve funds.

Fourth, if a bank sends a similar text message, it will usually be sent through a regular channel number, which is usually the bank’s official customer service phone number or the bank’s dedicated SMS channel. It is impossible to send it through some messy text message numbers. To everyone.

So when everyone receives text messages about large-amount loans on their mobile phones, most of them are sent by some intermediaries, and they are sent in bulk.

Some existing loan intermediaries are very bad. They collect customer phone numbers through various channels, and then use the method of finding needles in a haystack to market customers. Their operation methods are generally divided into several steps.

First, collect customer phone numbers through real estate agencies, the Internet, or institutions responsible for registering industrial and commercial information for everyone, or other financial institutions.

As for how they obtained the phone number, you don’t need to ask too much. There is actually no privacy in information now, and many intermediaries can easily buy phone numbers from some organizations.

Second, they will cooperate with some professional third-party SMS platforms. These third-party SMS platforms generally cooperate with China Mobile, China Unicom and Telecom, but they can integrate the resources of these operators into one on the platform.

Through these third-party SMS platforms, everyone can send messages in groups, and thousands or even hundreds of thousands of messages can be sent at once.

When cooperating with these third-party SMS platforms, there must be a signature at the beginning, which is what we have seen from xx bank. If there is no signature, it is against the rules and you generally cannot send.

So many intermediaries pretend to be the name of a certain bank and send loan promotion information everywhere. This practice itself is illegal, but some third-party SMS agencies also turn a blind eye. , as long as there is no regulatory intervention, they will still push you unscrupulously.

Third, after sending a text message through a third-party text messaging platform, you will be given three options, one is to view, one is to handle, and one is to unsubscribe.

If a customer happens to have a loan need, someone may reply to the relevant digital consultation loan matter, so that the loan intermediary can screen precise customers from the system, and then assign these numbers to some telesales personnel to make a call. Make sales calls.

Fourth, after acquiring accurate customers, these loan intermediaries will make an appointment with the customer to discuss specific matters. However, they will not take the customer directly to the bank to handle the matter, but will make an appointment at their own office. Inside, we will discuss the specific situation with you and then choose a suitable lending institution based on your actual situation.

What kind of loan institution will be chosen in the end depends on the actual conditions of the customer. If the customer has a relatively high income, has a real estate as collateral, and has a good credit report, they will naturally recommend the customer to go to a bank for application. Take out a loan and then charge a certain fee.

But if the customer's conditions are average, such as no collateral, relatively low income, or even overdue credit, they will not give up easily, and they will still recommend the customer to some private loans or companies. , but in this case they will charge a very high intermediary fee, which may reach 10% or even more than 20%.

In fact, these intermediaries collect customer information for marketing in violation of laws and regulations, which is an illegal act in itself, which infringes on everyone's private information. According to the current requirements of our country's regulatory authorities, this kind of illegal behavior is a priority to crack down on target, so loan intermediaries have obviously restrained themselves in recent years.

However, there are still some loan intermediaries who are taking risks and evade supervision by constantly changing SMS channels.

If you receive this kind of text message notification, I suggest that you don’t apply easily and apply for a loan through an intermediary. In addition to bearing relatively high interest rates, you will also have to pay a very expensive intermediary fee. Service fee.

According to the current actual situation, this kind of intermediary service fee is charged according to the points of the loan amount. The points generally range from 2% to 20%. If an intermediary agency charges a 10% service fee , equivalently if someone borrows 1 million yuan from a bank, they will have to pay them a service fee of 100,000 yuan. This service fee is higher than the interest rate of the bank itself.

More importantly, there are currently many loan intermediaries who are very informal. They may recommend customers to some private loans or lend their own money to customers, and then let the customers use their houses as collateral, and Sign some unequal contracts with customers.

After the customer's loan expires, if you do not repay it regularly, you will be charged a high penalty interest. The penalty interest may reach 1% in one day. If you do not pay back within 100 days, your house will be returned to you. They are.

So if you want a loan, it is recommended that you go through formal channels and don’t easily believe in some crooked SMS marketing.

I just used the Agricultural Bank of China's credit line, which is about 150,000 yuan. I can borrow it and pay it back at any time. It ranges from over 500,000 to more than 500,000, but has never been used.

I don’t know. Regardless of whether it's true or false, don't pay any attention to it. Today's scammers are full of tricks and tricks. If you don't pay attention, you won't be fooled.

If you really want a loan, go to the bank in person.

Of course it is believable. Banks are in the business of making money. They pay the capital cost and raise funds, and they must lend them out to make money.

Nowadays, many companies cannot get loans even if they want to. Companies are legal persons, and most of them are limited liability companies that are insolvent. Lending out loans is very risky. If you win the lawsuit, the judgment will be successful. The person who broke his promise still cannot take it back. Therefore, what banks are most willing to lend to now are individuals who have been screened by big data before granting credit. You can usually afford the loan amount, but the loan amount is not enough to make you run away with evil intentions. of.

You think banks are blind. Now with big data, everyone can clearly understand your identity information, three meals a day, daily life, and income and expenditure levels through big data. If you can receive hundreds of thousands of bank deposits in credit, you must have more than hundreds of thousands in bank deposits. People without deposits cannot receive this kind of text message. Some small agency companies will see that your WeChat zero often has tens of thousands. thousand. He will give you a quota of two thousand or five thousand. To put it bluntly, it’s all about doing business to make money

Don’t believe it!

I just received two text messages like this two days ago, one from Industrial and Commercial Bank of China and the other from Ping An Puhui , the content is as follows:

Why do we often receive these types of text messages? It’s because our information is leaked.

Whether you have bought a car, a house, a loan from a bank, or a platform where you have registered as a member with your mobile phone number, your information may be leaked. Once your information is leaked, you will often receive similar marketing text messages.

The credit limit in the text message is very large, and many people will believe it. There are also some people who just need money, and some people can’t help but click in. Will there be any problems if I click in? There may be two problems. First, you have obtained a credit limit, but it is not as high as the text message. Second, you have obtained a higher credit limit, but the actual interest rate is not the interest rate they said, but various additional fees. Fees, such as service fees, insurance premiums, guarantee fees, and even beheading interest, actually fall into the category of.

I once made a loan through a short-term loan from Ping An Puhui. The interest rate mentioned at the time was seven to eight points, but the actual annualized interest rate after receiving it was close to 36%.

When you realize that you have been deceived and tricked, and you don’t want to use the money, I’m sorry, but you must use it for a certain period of time before you can pay it back.

Worse than this, your information may be leaked again, and your credit report may also be greatly affected. Because when you apply for a credit card or online loan, your credit report will be checked every time you apply. And after you apply for an online loan, it will be difficult to apply for a loan from a regular bank.

This kind of text message is 100% not sent by a regular bank. It is just a means of commercial promotion. Many channel providers send text messages to users in groups in order to make money. Where does the user data come from? Most of the user information is purchased, and some of it is accumulated on our own platform.

Why do they send this kind of text message? Because the profits in the financial industry are very high, the cost of a text message is only a few cents, and as long as one person clicks and successfully applies, he can earn a lot of profits. It is precisely because of the high rate of return that this type of group text messaging is crazy.

Although the cost of sending bulk text messages is not high, it does cost money after all. So why are some people still willing to send group text messages to users? We can simply calculate an account: assuming that the cost of a text message is 0.02 yuan, then sending 10,000 text messages in bulk costs 200 yuan. As long as one person receives the text message, whether they apply for a credit card or a loan, the recipient can get 200 yuan. Profit between -3000.

Input costs are naturally for profit! The same is true for mass text messages, so don’t just accept a marketing text message and become complacent. The best way to deal with it is to delete it directly.

Hope it helps.

This depends on personal circumstances. If your credit score is better, then any bank you go to will have a credit limit. In this matter, you first need to check whether the text message sent to you is from the real bank. Most of these text messages are sent by loan intermediary companies. They are casting a wide net. When you contact them, they will ask you to conduct a credit check to see your qualifications. Everyone is different, but everyone receives it. The text messages are all the same.

If it is really a text message sent by the bank, it is basically a pre-authorized amount. The specific amount must be entered into the system for approval before the amount can be released. If your credit report is not very good and you have many online loans and credit cards, the basic limit is not large. Because in the eyes of banks, the thousands of dollars you borrowed online prove that you are severely short of money. In order to avoid risks, banks generally will not give you too much credit.

Banks generally do not send such text messages. Banks have a whitelist system, but this kind of whitelist usually gives people within the bank for telemarketing. In recent years, banks have divided loan departments. It is clear that there is a personal credit department, a corporate credit department, a small and micro business department (credit and mortgage loans for small and micro businesses), a mortgage business department, etc. They all need performance, so if there is a whitelist, it will be given to them. Contact people from various business departments.

Hope it helps. Also, if you really want to know how much money you can bring, you can first pull a credit report and I will help you check the situation.

100000000% untrustworthy.

I receive these kinds of text messages almost every day, and I delete them one by one. If you have firm faith, you will not be deceived!

They are all sent to you pretending to be a bank, but they are actually advertisements sent to you by loan consulting companies. You will have to pay a handling fee to apply for a loan with them

3. Have not applied for it before What should I do if my Agricultural Bank of China card receives a credit extension text message from Agricultural Bank of China?

Don't pay attention to him. This is usually a fraudulent text message. Remember, never reply, just delete it and nothing will happen.

4. Is it reliable to apply for a credit card after receiving a text message from the Agricultural Bank of China? I have a mortgage with the Agricultural Bank of China, and the number...

Agricultural Bank of China’s loans and credit cards are two types of loans, and they are given to Could you please introduce the application conditions:

The information and conditions required for the Agricultural Bank of China mortgage loan:

1. The borrower’s valid ID card and household registration book;

2. Proof of marital status. If you are unmarried, you need to provide a certificate of celibacy. If you are divorced, you need to provide a civil mediation letter or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide a valid ID card of your spouse. Household registration book and marriage certificate;

4. Proof of income of the borrower (certificate of salary income for six consecutive months or local tax receipt);

5. Property ownership certificate of the property;

6. Guarantor (need to provide ID card, household register, marriage certificate, etc.)

Note:

1. There must be collateral. loan, and the sum of the loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of the collateral;

2. Have a long-term and stable source of income that is sufficient to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit for borrowers: The loan period for men shall not exceed 60 years old, and the loan period for women shall not exceed 55 years old;

5. Enter Customers blacklisted by the credit reporting system cannot apply for loans;

The basic conditions for applying for an Agricultural Bank of China credit card are: being over 18 years old and having full capacity for civil conduct; having a stable career and income, and being able to repay principal and interest on time And have good credit.

As long as you have no bad credit record in the past and have relatively good financial resources, it is not difficult to apply for a credit card from this bank.

If you meet the basic conditions, you can apply. There are three main application methods:

1. When applying through the bank's official website, you can first check the functions and features of various types of cards, select the card to apply for according to your own needs, and fill in the information online. After verification, the bank will mail a new card. You can take the new card to the counter for activation and use it;

2. Apply through the bank counter. When you go, it is best to call customer service to ask what applications are needed. Having the materials ready will save you a lot of trouble.

3. Process through bank clerk. There are business promoters who take the initiative to go to companies, set up small stalls on the streets, etc. Before applying for a card, you must first confirm whether the other party has a qualified certificate. All activities that require money are actions. Applying for a credit card is free.