Dear Mr. XX, you are a high-quality customer of our bank. We specially invite you to apply for our bank’s platinum credit card with a limit of more than 100,000. XX Bank

No one often accepts Have you ever received a similar text message?

I often received similar text messages before, but I ignored them because my credit card was enough. Then I often receive text messages from a certain bank, saying that I am a high-quality customer of their bank and they can apply for a platinum card for me, with a limit of at least 100,000. I thought the platinum card was quite attractive, so I clicked in and filled out some information. information and the result is submitted.

After I submitted it, I received a call from the bank the next day and asked for some basic information. It was not too complicated, but I just waited.

During the waiting days, I fully expected that this bank would give me a platinum credit card worth around 100,000-150,000 yuan, and I also believed that with my qualifications, I should be able to get this amount.

But after receiving the letter from the credit card, my heart dropped. What kind of platinum card only has a limit of 20,000, and the promised limit is at least 100,000? It turns out it was all a routine.

Later, when I looked back at the text message carefully, I discovered that the number was sent through a mass text messaging platform and was not sent to you by the bank at all.

Now I will introduce the routine to you based on my work experience below.

Nowadays, many credit card businesses are operated by banks and external intermediary companies. In order to apply for more cards and get more commissions, the intermediary companies then send group text messages to many users, usually with the content of group text messages. They are all carefully written so that it looks like they are specially prepared for you. In fact, most people receive the same information.

Generally, text messages will say that you have good conditions, are a high-quality customer of the bank, and can apply for large credit cards, so as to attract you to click on the application. This application link has parameters. Once you successfully apply, you can Card, the system will automatically settle accounts and rebate commissions to the intermediary.

Therefore, most of these text messages may be sent by intermediaries. You can pay attention to it in the future. If you really want to apply for a large credit card, you can first understand the bank’s requirements, and then use the bank APP, WeChat or Alipay Apply through the life account on the Internet or through formal cooperation channels, which is more formal and safer.