Current location - Trademark Inquiry Complete Network - Overdue credit card - Is credit card (debit card) to promote SMS fraud? You may not understand these things.
Is credit card (debit card) to promote SMS fraud? You may not understand these things.
The credit card (debit card) promotion SMS you usually receive is true, and the possibility of fraud is extremely small, but it is difficult to reach 5, yuan. Because I work in a bank myself, I am familiar with the work of the credit card (debit card) center. The 5, yuan mentioned in the text message basically refers to the maximum amount that this credit card (debit card) can apply for. As for the credit card (credit card) with the specific overdraft limit that customers can finally get, it needs to be determined according to your occupation, age and credit report!

the most effective way to promote credit cards (debit cards) is to "bomb" them with short messages

I usually classify them as spam messages and delete them directly, and pull the number into the blacklist. Because I have a lot of credit cards (debit cards), I think I can fully meet my daily needs!

Of course, in order to save labor costs, banks almost always outsource the promotion of credit cards (debit cards) to third parties, and how much commission do they get for successful promotion of a credit card (debit card)? Therefore, short messages similar to credit cards (debit cards) are generally not sent by bank customer service, but are sent in groups through other channels.

Advantages of promoting credit card (debit card) by SMS

Why do you seldom use telephone to promote credit card (debit card) but choose SMS? Many readers don't understand the reason. I will answer your questions one by one:

First, the cost of SMS promotion is extremely low. Because a large number of short messages can get a lot of discounts, the cost of a short message may be only .1 points, and it doesn't take any time to specialize in marketing; And the cost of calling is higher, not to mention, only one customer can be promoted at a time, and the efficiency can be said to be different from that of SMS!

second, SMS promotion "hit the nail on the head". Credit card (debit card) promotion messages sent by every bank are carefully thought out and scrutinized. How to win customers' hearts with shorter words is a knowledge and the crystallization of a team's work. For example, congratulations on becoming a special guest of our platinum credit card (debit card), "You are a VIP customer of our bank, and you can apply for more than 5, credit cards (debit cards)" and so on. Telemarketing is difficult to achieve this level, because each customer communicates with others in different ways, and even the most professional customer service staff can hardly gain anything from a telemarketing. Telemarketing can be put in the follow-up aspect, but it is definitely not suitable for the first time to establish a relationship with potential customers!

how did the promotion agency or bank get the phone number?

This question should be divided into two parts. You can see that there are two different types of credit card (debit card) promotion messages you receive. The first one is "Dear XX……", which means that the bank already knows your real name in advance. You must have file information in this bank, and they have targeted marketing according to your phone number, which is also the most common way to promote SMS. The second type is "Hello dear customers ……", which shows that banks or credit card (debit card) promotion agencies don't know your personal identity information, and they just send short messages in groups by casting a wide net, because phone numbers are all composed of numbers, and there are always rules to follow!

The amount you applied for does not match the content of the text message

This is actually easy to understand. Generally, the credit card (debit card) amount mentioned in the text message is the maximum amount you can apply for. Unless your financial situation is very good, it is difficult for you to apply for the maximum amount. In the end, the bank needs to obtain your authorization first, that is, it receives your credit card (debit card) to apply, and then it checks your credit information. After the unified review by the competent department, the actual overdraft limit of your credit card (credit card) can be finally determined. For example, the lines of 5, and 1, mentioned in the text message are just for enticing you. Don't take it seriously!

To sum up, the credit card (debit card) promotion messages we receive every day are generally true and effective, just to attract customers to exaggerate their language, so everyone can laugh it off. If you take it too seriously, it can only show that you are still naive and "shoeless"!