For these messages, the safest way is of course to ignore them.
However, if you need a credit card or you want to try it, before filling out the application materials, I will teach you a way to identify the authenticity of the information you receive.
The method is simple. I will demonstrate it step by step.
First of all, the text messages you receive are generally like this. There is a web address in the short message.
Next, copy this URL and paste it into the address bar of the browser.
Then open this website, and you will usually see an application page. For example, mine belongs to Bank of Communications, which looks very formal, just like the bank credit card application page.
Next, this is very important. Don't be busy filling out the information application form right away. Click on the address bar of the browser, you will see the real address of this page, and then pull it to the front of the address to see which domain name it is.
As the picture shows, the website I copied is like this.
Obviously, this is not the website of Bank of Communications Credit Card.
Then, this website may belong to a credit card intermediary. Or simply want to collect your personal data and resell it to others or carry out secondary business development.
Either way, it is not good for us, and it is very harmful to the disclosure of personal information.
Everyone must be vigilant.
If you really need to apply for a credit card, you must apply to the official credit card platform, so that you are not afraid that your personal information will be leaked.