All three SMS links point to the bank official website.
The sending number of the first message is 10692549527280, and the content of the message is [XX Bank Credit Card]. Congratulations on obtaining the qualification of our Platinum Card! Simple procedures, high amount, free of annual fee! Let /EBfeSM unsubscribe back to T in official website.
The sending number of the second message is 1069140172, which is only 12 digits, but it also starts with1069. The text message reads: XX Bank Credit Card Congratulations on your qualification for XX UnionPay Gold Card! Free of high annual fee, national cash withdrawal! Jean /DRrTja unsubscribed to T in official website.
Article 3 The sending number of the short message is: 106923 157935506, which reads: XX Bank invites you to apply for a platinum credit card of XX Bank, and you can enjoy a limit of 50,000 yuan, and enjoy a 50% discount on credit card spending! Poke /Ru88v 15 to apply, unsubscribe back to t, click the link to enter the credit card application page of this bank, with the introduction of sample cards and various cards. From the domain name, this page is also the official application website of the bank credit card center.
visit
Why don't banks use the official platform to send text messages?
For example, among the big state-owned banks, the official customer service telephone number of ICBC is "95588" and that of CCB is 95533; Among joint-stock commercial banks, the official customer service telephone number of China Merchants Bank is "95555", Shanghai Pudong Development Bank is "95528" and China CITIC Bank is "95558".
In addition, some banks' credit card centers and wealth management centers also have official SMS publishing number platforms. These numbers are highly correlated with the official customer service numbers and are easy to identify. On some brands of mobile phones, the SMS sent by the above channels even directly displays the official bank logo avatar after authentication.
Why don't banks use the official SMS service platform to promote this complex and suspicious credit card with the number beginning with 1069?
Why don't banks use the official customer service SMS platform to send it? According to an insider, the official short message service platform of the bank can't send all short messages, and it needs to follow certain rules and go through strict examination and approval. Credit card sales messages often fail to meet the trigger conditions of official push messages. In addition, due to the cumbersome application process and long approval time in the bank, business departments such as bank credit cards and consumer finance generally do not use official customer service marketing.
betray the pot to the roses
Get a credit card. The agent collects commission 100 yuan.
How much customer acquisition cost will banks pay for these customers? Teacher Deng said that when banks calculate commissions for channels, there are no multiple assessment dimensions. The most important thing is the number of new customers who finally successfully apply for credit cards. The bank's original credit card customers successfully applied for new cards in this way, which is not included in the "workload". At the same time, the bank must evaluate the total amount of transfer. He remembers that the cooperative bank's assessment of his work channel was based on a certain flow diversion. For each successful application for a new card, the bank pays 100 yuan; If the number of clicks exceeds the limit, the single card commission will be increased to more than 120 yuan.
Enterprise interior
Sending text messages by number segment generally does not involve specific information.
Many citizens are worried about receiving this kind of short message, because banks have leaked their personal information to third-party short message platforms. Teacher Deng said that there is no need to worry too much about privacy leakage, because as far as he knows, the bank only opened the official website link to the platform and did not enjoy the customer's name, mobile phone number and other information. The short message platform sends short messages in groups according to the mobile phone number, and sometimes it selects a specific area according to the requirements of the bank, such as a certain province and city, but the platform does not know who the owner of this mobile phone number is, nor does it know whether this number is valid, just like the sales call that people often receive.
remind
Don't click on the link to open it easily.
Since these bank card information are all real sales, can you open them at will? Zheng Dong, a senior bank card professional, gave a negative suggestion.
Zheng Dong said that although most credit card invitation messages in the market are real channel marketing behaviors, a few are not excluded.
Related question and answer: What is the bank phone number of 95528? 95528 is the telephone number of Shanghai Pudong Development Bank Customer Service Center. The customer service center of Shanghai Pudong Development Bank is established at the head office level, facing the customers of the whole bank, integrating telephone banking self-service and manual service, and integrating business consultation, transaction processing, product promotion and complaint acceptance. The quality management system of customer service center has passed ISO900 1 certification. Call the national unified service number "95528" and you can enjoy the standard financial services of Shanghai Pudong Development Bank anytime and anywhere.