I got a "loan" call for no reason. How did these figures come from?

1. I got a "loan" call for no reason. How did these figures come from?

I don't know if you have such a similar experience. You often receive some "loan" phone calls and loan text messages for no reason, saying, "We are the loan company of XX platform. Are there any financial needs in the near future? " Or simply say, "We have detected that you are a quality customer of our company, and you can apply for a loan of XX yuan directly in our company". This kind of call can be received almost every day.

Then the problem is coming. Many people will say, I obviously haven't applied for any loan, and I don't need a loan at all. Why do I always get calls from various loan platforms without doing anything?

First of all, we are now in the era of big data, and a lot of information is easily infiltrated, such as your behaviors of playing WeChat, Weibo and surfing the Internet. Under the screening of big data, many loan platforms can view all kinds of information through technology, then filter and call one by one.

Second, there are many websites and APP software. When browsing these websites or downloading apps, you need to register and log in. At this time, many apps can read your address book, so naturally your information will be leaked. After all, there are many websites and app software that are not very formal.

Third, loan companies or intermediary companies cooperate with some channels, such as mortgage loans, so it is possible to cooperate with real estate agents and property companies. Or some intermediary companies will also cooperate with banks to buy orders in bulk, but the information on the orders is generally invisible and can only be inquired by telephone. After all, it is illegal to buy a list or disclose customer information.

Fourth, I applied for a loan on the relevant app or loan company platform. At this time, the loan company will call you to ask if there is any demand. Maybe you are just curious, but the loan company can see the relevant data in the background, and you will think that you have a loan demand.

The above four points are probably the reasons why you often receive various loan calls. Don't use irrelevant websites and apps indiscriminately. You only need to download and register a loan app, then the relevant loan companies can know your information. In the era of big data, personal information is also easy to be leaked.

Of course, don't believe similar loan advertisements, and don't be tempted by these marketing advertisements. If there is a real demand for funds, it is recommended to consult a formal loan company as much as possible.

Second, there are always calls to my number saying that I am borrowing money from the bank. How to deal with this situation?

This kind of call can be a bank sale, or it can be a liar who defrauds personal information. If the landlord doesn't need it, you can set up a black and white list on your mobile phone, or mark the number. If the mobile phone doesn't have this setting, he can download a mobile guardian software, which is easy to do. Although it cannot be eliminated, it can be effectively reduced. I hope I can help the landlord!

3. What if the Bank of Communications calls me for credit card repayment for no reason?

It is recommended to go to the bank for detailed inquiry or personal credit records.

Type and quantity, mailing address, contact information, marital status, residence information and professional letter.

Second, credit transaction information, including credit information such as credit card information and loan information;

The third is other information, such as personal provident fund and pension information.

4. I got a phone call from the loan company inexplicably, saying that my colleague borrowed a mobile phone. Now I'm looking for it. ...

You need a mobile phone guard.