Is it true that you called me and asked me to apply for a credit loan?

Any phone call in the name of a bank employee or loan company is a scam... Usually the excuse is credit card or loan.

The last purpose is to use the credit card machine. .. Generally, applications are made online. The rate of disbursement is low. The rate of card disbursement is low. Scratch credit report

To apply for credit cards and loans, you can go to banks, loan companies, insurance companies, and online loan platforms.

When applying for a loan and credit card, ask clearly all the contract rules to avoid being deceived, high interest rates, automatic installments, card production fees, and other unnecessary economic losses

Received a call saying that I wanted a loan , what should I do if I know my ID number?

1. It’s okay. Knowing your ID number will not affect the use of the ID card.

2. Please be more vigilant next time and never be fooled.

1. Legitimate loan channels:

1. Bank loans

Bank loans refer to banks lending funds at a certain interest rate according to national policies. An economic act in which a person in need of funds agrees on a time limit for repayment. Generally, you are required to provide a guarantee, house mortgage, or proof of income, and have a good personal credit report before you can apply.

2. Credit card installment payment

Credit card installment payment is a kind of personal consumption loan, which is the best way of short-term financing. If used properly, you can even get rid of the interest. Different banks offer different credit card installment discounts, including consumption limits, consumption merchants and interest-free policies.

2. There are four forms of bank loans

1. Mortgage loan. It refers to a loan method in which the borrower provides a certain amount of property to the bank as collateral for credit.

2. Credit loan. That is, a loan is granted by a bank based only on its trust in the borrower's creditworthiness, and the borrower does not need to provide collateral to the bank.

3. Guaranteed loans. That is, a loan issued with the credit of the guarantor as a guarantee.

4. Discount loans. It refers to a loan method in which the borrower applies to the bank for discounts on unexpired bills to obtain funds when he is in urgent need of funds.

Is it reliable to call and ask for a loan?

I believe many people have encountered the example of calling someone to ask for a loan. They claim to be the person in charge of the bank and provide you with high-value loans because they have good credit and are qualified. This is generally not credible. , the fact that the bank calls you using a mobile phone number is questionable, be careful it’s a phone number.

Is the loan reliable when I call you?

It is not trustworthy. Let me tell you why. First, if it is a formal platform, it will not contact you through this method, and it will just advertise directly. Second, the interest rates of irregular loans will be much higher. Even if they are not scamming you, you cannot apply for this kind of loan. Third, there is a high chance that they are lying to you.

So, if you really need money urgently, you should choose some formal loan platforms.

Is it true that the bank called and said it can provide loans?

Banks will not call customers to recommend loans because there are long lines of customers applying for bank loans, including businesses and individuals. client.

Everyone who receives such calls is also from a financial institution, but they are definitely not bank staff. Most of them are salesmen of loan intermediaries. Of course, there are also non-financial institutions pretending to be banks. You must be vigilant about such calls to avoid being deceived. Regular loan transactions are all conducted in banks. Credit cards are also loans, but they require online qualification review. The procedure for issuing a credit card is relatively simple.

Why do some banks take the initiative to call users for loans

Bank account data can accurately determine your repayment ability and financing needs. Some banks' "quick loans" provide you with a supplementary credit limit based on your salary account, housing mortgage loan, and investment and financial management account. There are also some loans for business owners. On the basis of enjoying the highest mortgage rate of 70%, combined with the flow of the settlement account, a certain credit line is given to ensure the use of funds. Therefore, these businesses are often value-added services to customers.

Why do I often receive phone calls from banks recently?

It may be a sales promotion or your information has been stolen.

1. Promotion: Nowadays, the problem of user information leakage is very serious. Even if you have not applied for a loan before, as long as you have had online behavior, it will be recorded in the network big data. This information can easily be used by criminals to trade, so you will often receive various promotional advertisements for applying for credit cards and loans. If users are not interested, they can set up to reject these calls or text messages.

2. Theft of information: If the user has not applied for a loan, but the information has been stolen by others, and now if the other party is overdue, the platform will definitely collect it, and naturally it will always receive Telephone. There is also a similar situation, that is, when someone applies for a loan, they leave the user as an emergency contact on the loan application form. Now the platform's collection is also to learn about the latest developments of the borrower from the emergency contact.

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1. Consequences of overdue bank loans

1. Penalty interest

Each lending institution has different regulations. If it is overdue, penalty interest will accrue, that is, a certain percentage of interest will be charged on the basis of the original interest. The longer the period, the higher the fee.

2. Use collection methods

If the debt is overdue for a long time, the loan institution will send staff to collect the debt. Financial institutions generally will not use violent collection methods, but it will also cause harm to personal life. There will be a certain impact, so it is recommended to repay the loan as early as possible.

3. Impact on credit reporting

As long as the lending institution has access to credit reporting, bad records will be left after overdue credit reporting. If the circumstances are serious, not only will you be included in the list of dishonest persons subject to enforcement, but it will also affect many future businesses, and you may even be restricted from leaving the country and cannot take airplanes, high-speed trains, etc.

4. Depends on the forbearance period of the lending institution

At present, most lending institutions consider human nature, firstly, in order not to quarrel with customers, and secondly, in order to recover the arrears. . Generally, a grace period of 3-5 days will be given, and some bad records will only be recorded after the grace period expires and the loan is not repaid. Some lending institutions will clearly tell the lender that there is a forbearance period for repayment, while some lenders will not clearly indicate that there is a loan forbearance period. When a loan is overdue and exceeds the forbearance period, it will be subject to a credit report. Therefore, how long the loan will be overdue depends on the loan institution's forbearance period.

2. Can overdue bank loans be laundered?

No! You can often see advertisements on the Internet that launder credit reports. Those are all scams. Don’t believe them. Currently, there are still No one can modify the central bank's personal credit record without authorization. If you want a good credit report, there is no other way than to pay back your money on time.