This is just a marketing text message, but you need to determine whether the source of the text message is the bank itself.

Generally, it is sent by third-party platforms, banks themselves or individuals.

If the bank sends it by itself, it stands to reason that the pass rate is higher. Of course, it will generally not send it, only for promotion or if you really meet the conditions. Some banks will also call you directly. After all, sending text messages is too inefficient.

Sending through channels, it is most likely that you have applied through online software or pages and left your phone number. If your application is approved through their link, they can get the rebate.

Individual sending is usually through group sending and software operation. Credit cards have activities for inviting friends. After you complete the application, you can get rewards personally.

Using links usually jumps directly to the bank's operation page; if the page is consistent with the bank's own website, it is formal. Of course, if you have already reached the bank's page, then apply directly.

The above is compiled by Haoxin Community for your reference only.