Many netizens and readers expressed dissatisfaction: since we want to refuse, why should we invite them? Isn't this a lie? Today, I will talk to my friends about the short messages I often receive from the bank for handling cards. Is it really from the bank? Friends, let's get to know each other.
In fact, there is a routine in this. The card gods told their friends that they actually misunderstood the bank. If a friend receives such a short message, it is likely that it was not sent by the bank, but by someone else using the name of the bank. According to incomplete statistics of card gods, almost everyone receives at least 1 messages every week.
In the incomplete statistics of card gods, some friends even received dozens of short messages inviting them to apply for cards within 1 day. So why would someone send this message in the name of a bank? In fact, it is profitable to put it bluntly. Their purpose is to get an invitation from the bank to make a card reward.
Many banks will reward old customers who invite others to open new credit cards. For example, a bank recommended 6 people to win mobile phones and 50 people to win laptops.
But the average person can't find so many people to recommend, what should I do? So someone thought of SMS marketing, bought personal information from the Internet, and sent it through the SMS platform of 106. As long as you click on the SMS website to apply for a credit card, the recommender will be rewarded. The cost of sending short messages in groups is very low, only 20 cents for one, and several hundred dollars for sending 10,000 messages. Send tens of thousands of messages and someone will always fall for it.
For example, recently, a treasure engaged in activities, and the circle of friends was full of advertisements that caused a treasure to send a red envelope, so all kinds of false recommendations made in the name of a treasure also entered our mobile phones. Presumably, my friends have also received a lot of so-called news from a treasure.
Although the recommended amount of a treasure red envelope is very small, it is only a few cents, but some people still send it out day and night, and even get more than 60,000 yuan of recommended rewards, and the highest cost is only 70%. It can be said that the spread in the middle makes these people choose to make a profit in this way.
If it's just to recommend awards, it won't affect us much. However, some short messages do not aim at getting recommendation rewards, but steal your funds by setting up fake websites and taking our personal information and passwords.
Even if a friend wants to click on the link, he must carefully check whether it is the official website website of the bank. If not, it must be a fraud trap. So many friends have received invitations from five banks to apply for credit cards. Results 1 No card was issued. Friend, think about it carefully. Is it terrible?
First of all, tell a friend that the bank's risk control audit is very accurate, and it is not easy to apply for a large credit card. Let's share a few tips with friends first. Credit cards are not used according to grades, and the amount is different. Generally speaking, a credit card costs 3000- 10000 yuan, a gold card 10000-50000 yuan and a platinum card costs more than 50000 yuan. What are the skills to apply for a large credit card of more than 50,000 yuan?
One of the skills: the applicant must have financial proof. The more complete the financial proof, the higher the credit card approval limit may be. It will be helpful to apply for a high credit card if all the certificates that the applicant can provide are given to the bank. The financial supporting materials are as follows:
1. Official payroll or income certificate issued by the enterprise in the last three months (this must be stamped with the company seal or department seal).
2. A copy of the bank statement to which the salary card belongs, and the salary slip for the last three months.
3. A copy of the personal income tax certificate for the last three months.
4. Copy of social insurance withholding certificate.
5. Copy of ownership certificate.
6. Bank time and demand deposit slips.
Copy of the bond purchase certificate of China Debt Enterprise (name of purchaser, account number and account balance shall be indicated).
8. High-limit credit cards of other banks and high-end customer certificates of banks. .
Tip 2: Fill in the application form. There are several key items in the application form that directly affect your credit card limit.
1. Income: The higher the income, the higher the credit score of the bank pair.
2. Education: The higher the education, the higher the score.
3. Household registration in this city: The score of household registration in this city is higher than that in other places.
4. Housing: owning a house and living in it is higher than living with parents.
5. Married or not: Married people score higher than unmarried people.
6. Work units: For example, institutions, large enterprises and Fortune 500 enterprises all scored higher, while unknown private enterprises and foreign enterprises scored lower.
Tip 3: Personal credit information is very important. Good credit information is helpful to handle the card. In the process of bank card verification, personal credit accounts for an increasing proportion. Therefore, before applying for a card, the card god group suggested that friends check their credit report to see if there are any overdue or bad repayment records. If so, it is recommended to pay off the overdue ones first, and then try to apply after 6 months.
Summary: Finally, the Card God Group told friends that the circulation of large-value credit cards of more than 50,000 yuan is much less than that of gold cards and ordinary cards, so friends with average qualifications still need to do it according to their own real situation. Remind friends to be careful of information such as handling cards without threshold, which is mostly a fraud trap.
Only when friends rationally analyze their real situation can they better handle the credit cards they need. Of course, the card god group still can't help nagging friends. Although the credit card is good, the card slave group still exists. Although there are many credit cards, there are still friends who earn points through the credit card bonus hunter.
What I want to tell my friends is that a credit card is just a plastic card, and the decision is up to you. Ye Cheng credit card, loser credit card. I hope this information will help my friends.