What should I do if I keep receiving various reminder text messages after applying for a credit card?

1. If you have a new mobile phone number, receiving overdue text message notifications from the previous user of this number will not affect you. If you have any questions, it is recommended that you consult the bank that sent the overdue text messages.

2. The main reason why the newly purchased mobile phone number always receives bank reminder text messages is that the original owner used this mobile phone number to handle loan business at the bank. If you want to change this situation, you can do this: < /p>

1. Contact the bank that sent the dunning information to the mobile phone number. Remember not to contact the number on the dunning text message, but the official phone number of the bank. For example, dial 95533 for China Construction Bank, and then ask customer service to explain the situation and request The bank changes the contact information of the original owner or contacts the original owner through other channels

2. Cancel this mobile phone number

You can go to the business hall to cancel the mobile phone number, and then purchase a new one No. This way this won't happen. However, when applying for a new number, it is best to explain the situation to the salesperson, and then find a number with a better reputation or a new number

3. Dial 12321 to make a complaint

12321 is a bad network and garbage Information reporting center phone number. Calling this number to make a complaint will block spam text messages and harassing phone calls on your phone.

Serious consequences of overdue credit cards:

1. Overdue interest and late payment fees;

2. Bad credit record;

3. The bank will demand collection and may face criminal issues.

Solutions for overdue credit cards:

1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;

4. Credit card repayment information The central bank’s credit reporting system rolls over 24 months, and records of overdue credit card repayments will be included in the credit reporting It is stored in the system for two years. If you find that you have paid off the card overdue and then cancel the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.

Are the text messages from overdue credit cards genuine? Pay attention to these matters

Banks will send text messages when their credit cards are overdue, but many cardholders who have not overdue credit cards also receive text messages sent in the name of the bank. This requires careful identification of the authenticity of the text messages, otherwise it may Your information will be leaked, and in severe cases, you may suffer financial losses. Let’s take a look below.

Are the text messages from overdue credit cards genuine?

1. Pay attention to the SMS number. Each bank has a service number dedicated to sending text messages, usually starting with 955. If the sender of the received text message is a certain bank, but it starts with "00" before the official number, and there is a contact number reserved in the text message, it is very likely that the scammer used network dialing to forge a fake number, so It is best not to believe the overdue text messages and do not call the reserved phone number for contact. If you have any questions, please call the card bank’s service hotline directly for confirmation.

2. Pay attention to the content of text messages. Looking at the self-identification in the text messages, I saw that the text messages sent by the bank all refer to themselves with the name of their own bank, such as a certain bank. Second, look at the requirements of the text message for the cardholder. For example, some text messages say that the credit card has been frozen after the expiration date, and they ask you to click on the link in the text message to log in to confirm and verify the information; or they ask you to operate an ATM machine and transfer money to a designated bank card account for capital verification. If you have the ability to repay, see if you meet the qualifications for credit card unfreezing.

3. Pay attention to SMS links. Some card friends may feel curious and click on the link in the text message, and then they will enter a page similar to a bank website. They should pay attention to the information required on the website, such as providing bank cards, withdrawal passwords, and verification codes, and close it immediately. No website, formal bank website will ask for such private information, after all, it is related to the safety of funds.

If the credit card is overdue, will the bank notify you via text message? Will you tell me which bank?

Generally, the card-issuing bank will notify you via text message if your credit card is overdue.

SMS mainly serves as a reminder, and not all banks have this service. This situation generally refers to the early overdue repayment behavior of cardholders, which is usually 7 to 15 days overdue.

After discovering that your credit card is overdue, you must take the initiative to repay the debt in a timely manner and do not rely on text message reminders from the bank. Friends who are usually careless can also use some third-party platforms to remind them. Generally, Alipay, WeChat, etc. can set up credit card repayment reminders, or it is also possible to directly bind a savings card for automatic repayment, but you must ensure that the The amount is sufficient for repayment.

Extended information

Banks only send notification text messages after the final repayment date. Many banks still have a grace period of 1-3 days after the repayment date expires. deadline. During the grace period, if the customer receives an overdue notification text message and pays off the debt immediately, then the overdue record will not be reported to the credit reporting system, which means there is still room for rescue.

Of course, the specific circumstances stipulated by each bank are different. For some banks, if a customer receives a text message notifying them of bad information, it means that the bad information has been reported to the credit reporting system or is about to be reported. Submit, there is no room for recovery, just inform the customer to know