Industrial Bank sent a text message saying that I have an authorization limit of 190,000 in the bank. What's going on?

Generally, customers are invited to apply for a card or apply for a loan.

In order to complete business volume, many branches usually send such text messages to customers who have no bad credit records.

1. Industrial Bank Co., Ltd. ("Industrial Bank" for short) was established in August 1988. It is one of the first batch of joint-stock commercial banks approved by the State Council and the People's Bank of China. It was officially listed on the Shanghai Stock Exchange in 2007 (

Stock code: 601166), with its head office in Fuzhou.

2. Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service and accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services.

As of the end of 2014, Industrial Bank's total assets exceeded 4 trillion yuan, reaching 4.41 trillion yuan, an increase of 19.84% from the beginning of the year; net assets per share attributable to ordinary shareholders were 1.286 billion yuan, an increase of 22.61% from the beginning of the year.

The annual operating income was 124.834 billion yuan, a year-on-year increase of 14.23%; the net profit attributable to shareholders of the parent company was 47.108 billion yuan, a year-on-year increase of 14.31%; the weighted average return on net assets remained at a high level of 21.19%; it has been operating in major cities across the country

It has established 108 branches and 1,435 branches; it owns subsidiaries such as Industrial International Trust, Industrial Financial Leasing, Industrial Funds, Industrial Consumer Finance, Industrial Wealth and Industrial Guosen Asset Management, forming a bank-based entity that covers trust, leasing, funds, etc.

, securities, consumer finance, futures, asset management, etc., a modern financial services group.

3. As China's first "Equator Bank", Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated in a legal, prudent and civilized manner, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively

The practice of corporate social responsibility has been widely recognized and praised by all walks of life at home and abroad.

4. The Capital Operation Center of Industrial Bank is the first comprehensive and professional capital operation institution of a commercial bank in my country that independently obtains a financial license and a business license, conducts independent accounting, and operates independently.

The bank account has long-term construction of a high-yield, low-risk investment portfolio, with returns outperforming the market. It maintains its position as the most active market maker in the fields of RMB exchange rates, interest rates, precious metals, etc., and its market share of agency precious metals business continues to lead the industry, research

The analytics business has created an impact in the market with its high accuracy.

What does Industrial Bank's credit line mean? Industrial Bank's credit line refers to an overdraft consumption limit approved by Industrial Bank to the applicant when a user applies for a loan or credit card at Industrial Bank.

Within the scope of the credit limit, the applicant can make consumption.

It’s just that different credit products have different credit limit ranges, and different credit limits will be granted to different applicants based on their credit status.

It should be noted that after using the bank's credit line for consumption, the repayment needs to be completed within the specified time, otherwise it will be regarded as overdue, which will have a negative impact on personal credit.

I have never applied for an Industrial Bank card and I suddenly received it. I don’t know what it means?

I have never applied for an Industrial Bank card and I suddenly received it. I don’t know what it means?

If you have not applied for an Industrial Bank card, you may have opened the Industrial Bank app. As long as you have not operated it, then this information is likely to be false.

First, it may not be issued by Industrial Bank, but by scammers.

Second, information was leaked and Industrial Bank sent it in bulk.

I've received it several times too.

Third, ignore him, or call the Ministry of Industry and Information Technology to report it.

This text message is a promotional text message for banking services, recommending users to apply for repayment of bank loans.

If you have no borrowing needs, etc., you can ignore it.

If you have borrowing needs or are worried about information leakage, you can also call Industrial Bank’s customer service hotline to find out the details.