Let me share a story with you. A friend of mine works in a company. His salary was 4,000 yuan per month, after he bought a car. , I frequently received text messages from various banks, all of which stated that he was a high-quality platinum card user and offered various preferential conditions. Then he chose to go to a Ping An Bank and Postal Bank for credit card approval. When his credit limit was approved, we were very surprised. Ping An Bank granted him a credit of 5,000 yuan. The Postal Bank gave him 1 yuan for approval. At first we all thought it was not to ensure the security of the card, but to only grant a credit of 1 yuan. When we called customer service, we found out that he said that you need to deposit money into it and continue to accumulate transactions to increase the credit limit. So from this case we can find that all text messages are sent in batches, and the credit limit you get when applying for a card can only be obtained after your final credit report and related bank transaction flow are approved. Generally, the limit given to you by a credit card ranges from one yuan to hundreds of thousands. So is it true that you are a platinum premium user? It's true. But the amount he gives you may not be true.

Regarding this issue, chief investment officer commentator Zhou Tingting believes that it is not profitable to start early. Banks send messages to customers to apply for credit cards, which must be profitable. Usually, banks will also screen customers. Not all customers will call and suggest applying for a credit card. Banks will also judge creditworthy customers based on bank deposits or bank statements to promote credit cards. If the questioner is a platinum premium user, he must meet the requirements.

Credit card interest fee income is an important source of income for banks. At present, the card processing fee rate of most banks is 0.6%. Every time you swipe a credit card, the merchant has to pay 0.6%. % handling fee to the bank.

According to the annual reports of banks in 2017, credit card revenue accounted for 25% of operating revenue. It is precisely because of the huge profit margins of credit cards that major banks are vigorously promoting them. Moreover, the business of promoting credit cards will be outsourced to other companies, and a certain commission will be given according to the number of credit cards processed. In order to get more commissions, these companies also try their best to promote bank credit cards, so everyone usually accepts It’s no longer unusual to receive phone calls promoting credit cards.

But the questioner intended to apply for a credit card, but finally received a message saying that the verification failed. Why is this? I think there are two reasons. One is that your information is wrong, and the other is that you may learn more. It was later discovered that your information did not match the information. The department within the bank that sent you the information and reviewed it were not the same. The department that sent the information was usually the business department and would cast a wide net. Not that the person who received the information would definitely be able to do so. After the application is approved, the review department will have its own set of procedures to review the credit card application information after receiving it, and those that do not comply will be passed. Therefore, this situation is relatively common. If this bank fails, you should try another bank.

It’s fake, it’s a lie. Look at the number that sent you a text message. The numbers starting with 106 are all text message platforms.

If it was sent to you by Bank of Communications, it should be the text message sent by 95559. This is a money-making scheme. I have mentioned in an article I wrote before that many banks now offer invitations to apply for cards, and send gifts, mobile phones, points, and credit card credits. Many people take advantage of this rule and send their referral links to mass messages on SMS platforms. When you apply for a card, you can get what the bank gives you.

This is a screenshot of the text messages I received. It is very helpless. I basically receive about three messages every week.

It is certain that your mobile phone number has been leaked. I also receive them often, and receive many, many. There are Bank of Communications, CITIC Bank, China Minsheng Bank, Shanghai Pudong Development Bank, etc., but I delete them directly.

I believe that all netizens often receive text messages on their mobile phones showing invitations to apply for credit cards from a certain bank. The content of the text messages is nothing more than, "You are a high-quality customer of our bank and meet the standards for applying for a large-amount platinum credit card. Click on the URL to apply."

But after most people click in and fill in the information, they find that they will be rejected by the bank, or the applied limit is very low, which is far from the platinum card mentioned in the text message! Isn't this playing tricks on people?

1. They are not necessarily sent by banks, most of them are private mass messages on third-party platforms.

Many are not sent by banks, but are private mass messages on third-party platforms. And to tell whether the bank sent the bank is very simple, look at the number. Long numbers starting with 106 are definitely not issued by banks. These numbers starting with 106 are basically automatically sent in bulk through mobile ports. According to statistics, almost everyone receives at least one text message of this kind every week.

The five-digit number starting with 95 is issued by the bank, and will also include the bank's name and official customer service number. But generally speaking, banks take the initiative to send you text messages either about account changes or credit card bill collections, and there are really not many invitations to apply for a credit card.

2. Why are there such text messages?

This is all thanks to the invitation reward mechanism of banks. Now banks are competing and increasing the issuance of credit cards, but banks cannot take the initiative to send , so many banks have added a new rule, that is, old customers can get rewards for inviting others to open new credit cards. Rewards are either cash or prizes, and the more you invite, the greater the rewards.

In this way, banks can attract new customers by relying on old customers. However, some people take a fancy to these rewards, so they use some third-party platforms to send group text messages. Once someone clicks on the URL in the text message to fill in the Information to apply for a credit card, then these people can easily get bank rewards.

As for why you were rejected, it is obvious. The bank did not actively invite you, so even if it is just your personal application, the bank will naturally review whether you are eligible to apply for a credit card in accordance with regulations. If you are not qualified, the bank will of course Will refuse.

Generally speaking, the limit for regular cards is 3,000--10,000 yuan, the limit for gold cards is 10,000--50,000 yuan, and the limit for platinum cards is more than 50,000 yuan. How can a bank just open a platinum card to you casually? .

3. Anyway, don’t mess around

Generally, clicking on such a spam SMS URL will not cause any trouble, but applying for a credit card from a bank is not that easy, especially with high limits. Difficult, the amount you can get by inviting in this way is definitely not high.

Also, the URL in the text message is not necessarily the official website of the bank. It may also be a phishing website that can steal personal information and even account funds, so be cautious about URLs sent in text messages.

In addition, before applying for a credit card, you must first get to know yourself. First, measure your own credit situation and the card issuance standards of the bank where you apply for the credit card. There is a saying that is good, if you want a credit card that will not be overdue. , the best way is not to apply for a credit card!

As a full-time credit card staff, I can tell you responsibly: these advertisements are basically fake! Because many channels can recommend you to apply for a card. As long as you click on his link and apply for the card, he will get the money. So there are many people who send out advertisements like crazy, posting 10,000 messages every day. If 1,000 people click to apply for a card, and 100 people apply for a card, they can earn thousands of dollars.

However, as an individual, the pass rate of applying for a card this way is impressive. And even if you get it, not to mention the low limit, you still need to go to the bank for an interview before it can be opened. If you click on the application frequently and make too many credit inquiries, you will not be able to apply for a credit card or a loan to buy a house. It won't be approved, so I suggest you don't believe it.

How are your conditions? Don’t you have no idea about the number 13? Do you do a lot of business with their bank? Do you have a huge deposit? Is there a lot of running water? Where are there so many high-quality customers? Even if there is, bank staff will take the initiative to contact you and come to your door to apply for it, so don’t foolishly click to apply next time.

Let me tell you about my personal experience. I was cheated once. I originally used a regular card that had no annual fee, which was pretty good. But the bank often called me and asked me if I wanted to upgrade to a platinum card and said it was free. , and didn’t care. After that, I often received short-term messages to upgrade my platinum card. Maybe it was because I often received such messages, and the bank brainwashed the phone calls. One day, I couldn’t help but click in and fill in the information to upgrade.

The card was issued within a few days. After opening the card, I found that the limit was the same as the ordinary card ***, which was not the maximum limit of 100,000 as the bank had called before. Moreover, shortly after activation, I found that there was something wrong with the bill. The annual fee is 299. I called and asked if I need to spend 100,000 or more without annual fee. The limit is less than 20,000. Do you think I should spend 100,000 or pay the annual fee honestly?

In short, I think if I want a platinum card, I can use the card I am using to apply for the card. The credit limit is not bad. Upgrading is pure nonsense. The card has become a platinum card, and the credit limit is the same as that of a regular card. Same, you still have to pay an annual fee.

The above is the information sent by the bank through formal channels. If you encounter phishing information, it is over. It is recommended that you ignore the card application information at all, especially the ones with connections. Do not open them easily, let alone Enter your identity information. With today's network information technology, there are various fraud methods and it is difficult to guard against it.

Thank you for your valuable time

First of all, in view of the phenomenon in the question, based on personal experience, I suggest that you should not easily believe the content in the text message. If there is really something If you are interested and want to upgrade, you may wish to go directly to the bank according to the bank where the text message is located, or call the phone number of the corresponding bank to inquire. If you enter your own information, sometimes it will cause information leakage. The following is a detailed explanation of the reasons for everyone:

First, it is actually because many banks now invite you to apply for a card, and there are many gifts, mobile phones, points, credit cards, etc. Therefore, some unscrupulous people will take advantage of this rule and send their recommendation links to groups through SMS platforms. Once someone purchases a card, they can get gifts from the bank or for the purpose of making money, etc. So generally speaking, if these text messages are not sent by the corresponding bank, then it is usually sent by an intermediary who wants to make money.

Secondly, it is recommended that everyone should be cautious and not be greedy for small gains. Sometimes, you will lose a lot for a small amount. To be honest, sometimes most of us know that these text messages may be scams, but we still click on them because we think there is a discount and want to earn money. At this time, I really recommend that everyone be sensible and not impulsive.

Of course, in addition to the above two points, there may be other reasons. In short, if you are really moved by the content in the text message, you might as well go online to find the number of the corresponding bank, or go directly to the local bank the bank asked.

Many friends, especially those who often apply for credit cards or loans online, will receive such information. The content of the information is relatively simple. It usually says that if you have good credit, you can be approved for RMB 50,000 or RMB 80,000 in seconds. By up to 99% or the like, or by specially inviting high-quality customers, etc.

Received, does this information mean that you are really a high-quality customer and can obtain high-amount instant batch qualifications? If the bank actively invites you to apply, congratulations, your probability of success will be greatly improved. But according to my experience, more than 99% of this information is sent by banks.

We know that banks will use the bank’s customer service phone number, such as 95533 for China Construction Bank, 95599 for Agricultural Bank of China, and so on. Most people receive 106 followed by a long number. These are sent by many institutions and individuals using mass text messaging platforms. Of course, the purpose is also to get you to apply for a card, because they can get rebates. Because in the process of issuing cards, in order to increase market share and increase the bank's customer base, banks also hope that many platforms will find better quality customers for them, so they will also give promotion commissions to many third-party institutions and individuals. . The so-called various invitation text messages you receive starting with 106 are sent by these institutions and individuals. Whether you can apply for a card depends entirely on your personal qualifications.

Many people want to get a high-limit credit card, because a credit card is not only a payment tool, it is also a financing tool and a proof of credit. So how can you get a high-limit credit card? What about your credit card? To put it simply, becoming a high-quality customer of the bank means proving to the bank that you are a good person who has the ability to repay the loan and is honest and trustworthy, and that it is reliable to lend you money. So this requires you to make a comprehensive optimization in terms of personal identity information, income information, career information, residence information, and credit records.

As for how to apply for a credit card, how to increase the limit, how to become a high-quality customer of the bank by using a credit card, so that you can obtain lower-cost bank financing, I combined my experience in the credit industry for many years. Work experience has been summarized and a series of practical information has been compiled, such as how to get rid of the cards for those who have three no’s. Guidelines for applying for a limit increase from the four major banks and 12 commercial banks, personal financing methods from 15 mainstream banks, etc. If you need it, you can contact me. I hope my answer will be of reference and help to everyone. Thank you.

1. It may not be sent by the bank, it is fake

Some people on the Internet believe that this is a promotional text message caused by information leakage. Just like the information a real estate agent sends you. Moreover, text messages that do not display the name and limit should be sent by a third party, but even if the name and limit are displayed, they may not necessarily be sent by the bank (after all, under normal circumstances, the entire Internet has a lot of your personal information) .

What’s more terrible is that even if it is issued by a bank, it does not necessarily have to be processed. I advise you not to be tempted by the various superficial offers.

2. It may be sent by a bank, or other companies that have an interest in the bank.

As the saying goes, if there is no profit, you can’t start early. If the bank sends a message to the customer, asking him to apply for a credit card. , must be beneficial to the bank. Nowadays, the credit card processing fee of many banks is 0.6%, which means that every time you use a credit card to swipe money, the merchant has to pay a 0.6% processing fee to the bank. But the wool comes from the sheep, and the cost is ultimately borne by the consumer.

And judging from the current trend, the proportion of credit card revenue in revenue may be on the rise. According to the 2017 annual reports of banks, credit card revenue accounts for about 25% of total revenue, and there is still huge room for rising profits.

However, what is interesting is that many banks have a certain degree of bureaucracy due to their large size. There is no good information connection between the department that issues you card application information and the department that reviews your specific card application qualifications. This will create a situation where you receive information to apply for a bank card, but are rejected.

From a macro perspective, due to the unsafe leakage of information, third-party companies may send you text messages to apply for a credit card. However, this may also be some kind of cooperation between the bank and a third-party company for its own profit.

3. If you really want to handle it, be cautious!

Therefore, whether the information you provide when applying for a credit card at the bank is genuine or not, you must identify it as carefully as possible. Even if it is true, due to the internal operating mechanism of the bank, the person who reviews your credit card qualifications may reject your application for a credit card.

Even if you do it, in most cases, it will only cost you more money, which is more conducive to the growth of bank profits

In general, whether Either situation is beneficial to the bank, but not necessarily to the individual using the credit card.

I am very happy to answer:

I often receive credit card information from banks. It is difficult to tell whether it is true or false. The author will briefly mention a few possibilities:

1. Leakage of personal information: In the era of big data, as long as you have a mobile phone number or ID number, you can find out a lot of personal information. Especially in recent years, some people have resold personal information. It seems that too much personal information has been leaked by big data, such as We commonly use some express delivery information, mobile phone number management information, etc., and our personal information will be leaked due to internal problems in the management department.

2. Value-added banking business: If the subject has a savings card from the bank, the bank will send information to the depositors and invite the depositors of the bank to apply for the bank's credit card. This part of the information is true and reliable. Big, after all, the subject of the question will keep his personal information when he deposits money in this bank and handles business. However, the author would like to remind the subject to verify the content of the text message and whether the number sending the text message is the official number of the bank.

3. Internet fraud links: Fraudulent links are a new model of Internet fraud. The method is to send relevant information to an individual’s mobile phone number through the Internet and attach a network link. The most deadly thing about this network link is Clicking on it is likely to read the information inside the phone and clone a website with an interface similar to the bank website. Assume that the subject enters some information according to the prompts on the website and the phone will collect the corresponding verification code. Once the verification code is entered into the website After confirmation, the subject's money is likely to suffer losses.

4. In summary, the author suggests that no matter what method the bank sends to invite the subject to apply for a credit card, the subject must first confirm the authenticity of the number sent, and if necessary Verify with the bank whether this has happened, because only in this way can you avoid losses to your property. After all, you must be cautious when it comes to money. Making money is not easy, and saving money is difficult. The most important thing is not to let scammers take advantage of them. of.

I hope more investors will actively speak in the message area to discuss and grow the future together!