Have you ever gotten a text message like this, Balabala with a bunch of messages in front of it, followed by the last sentence "reply to T to unsubscribe"? If you did reply to the T, then you probably replied to a scam text.

Many people have tried unsubscribing, but then get multiple texts. Nine times out of ten, they contain links, and those links, if you dare to click them and scam them, range from thousands to hundreds of thousands of dollars.

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In the age of the Internet, the leakage of personal information is a very common phenomenon.

Wherever we go, we need to register our names and phone numbers. This information may seem at first glance to be just to verify our identity, but in the hands of scammers, it's fruitful wealth.

The T-back unsubscribe mentioned above is actually to identify "active customers". If you reply, it means that the cell phone number is real and valid, and the likelihood of being scammed is higher than if someone doesn't reply.

But just because you don't reply doesn't mean you can rest on your laurels, because scammers will also advertise to get more people to participate in the scam.

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For example, there used to be a texting site on the internet. If you had a lot of customer information and wanted to scam them, all you had to do was pay $45,000 to send a million text messages with scam links.

If you don't have a library of information, that's fine. You can pay an extra $30,000 and the site will send those 1 million text messages to their information bank.

Doesn't that sound too tempting to you? After all, you have to pay tens of thousands of dollars up front, and people aren't stupid these days. How many of them would click on the link?

But did you know? In recent years, the amount of telecom fraud has been increasing year by year, meaning that in 2020, the police alone will solve 320,000 fraud cases and dissuade more than 8.7 million people from falling for the scam.

800,000, can you say these people are stupid?

The times they are a-changin' and so are the crooks. It used to be that scammers were simple and opened their mouths to play for money.

Nowadays scammers are so smart that they find all kinds of excuses.

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For example, it's common to see loans with a bank's name on them, all sorts of official fines, most of which most people are wary of. After all, they are all common scams.

But what if it's ETC supplementary information? A case was previously published in Shenzhen. Someone received a similar message after he had a problem with his ETC card. He thought of the message first, supplemented the information as requested, entered his bank card number and password, and then was directly deducted 13,000 yuan.

To this end, Shenzhen has made a special note that all ETC services pushed in text messages are fraudulent, especially the links, which should never be clicked.

Do you think this is the end of the scam? Not to mention it will transfer money to you first.

For example, there was a previous case where a woman was told by a scammer that she had to pay for a lost delivery. The original purchase was worth $40, and the scammer paid out $500. Then the scammer told the woman that she had made an operational error and accidentally registered the account and needed to cancel it. Otherwise it will cost her thousands of dollars every month. The woman panicked, step by step, and was eventually cheated out of 400,000 dollars.

The 400,000,000 dollars had half of her life savings and money she had borrowed from all the people close to her.

And the initial 500 paid to her was also a loan taken by the scammer in her name.

So there is no defense against scams these days.

As for unsubscribing back to T, don't believe me. The first step in preventing fraud starts with refusing to return the "T".

Related Q&A: Is it true that the debt collection SMS with unsubscribe back to T If the borrower receives a collection SMS with the words "unsubscribe back to T" at the end, it is likely that it is a fake SMS sent by some commercial platforms in bulk. Because this kind of end of the beginning of the text message segment is generally 106X beginning, belonging to the three major carriers of the spare number, specifically for group text messaging. Many lending institutions like to use the 106X beginning of the number for mass SMS, so there will be some unscrupulous elements to exploit this loophole. The real formal collection SMS must be noted the borrower's overdue amount, loan time, overdue days and other details. Even some SMS will even note the borrower's loan contract number. In addition to unsubscribe back t a class of text messages, if the borrower receives "prosecution, court flyers, uploading bad credit personnel, freezing Alipay, savings card," a class of text message content, there is no need to panic, basically are false text messages. Unless the borrower has been really sued by the lending institution, no one has the right to freeze any property of the borrower. Even if sued, the borrower will receive a real flyer in the mail, stamped. And freezing property is usually done after the court has issued a judgment to enforce it. : A loan (e-debit credit loan ) is simply understood in layman's terms as borrowing money that requires interest. Loans are a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned and other conditions. Loan in the broad sense refers to a general term for loans, discounts, overdrafts and other lending of funds. Banks through the loan will be concentrated currency and monetary funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the interest income on loans, increase the bank's own accumulation." The "three principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' lending operations. Article 4 of the Commercial Banks Law stipulates: "Commercial banks shall take safety, liquidity and efficiency as their operating principles, and shall carry out independent operation, bear their own risks, be responsible for their own profits and losses, and exercise self-restraint." 1, loan security is the primary problem faced by commercial banks; 2, liquidity refers to the ability to recover the loan by a predetermined period of time, or in the absence of loss of the ability to quickly realize, to meet the needs of customers to withdraw their deposits at any time; 3, efficiency is the basis for the bank's continued operation. For example, the issuance of long-term loans, interest rates higher than short-term loans, efficiency is good, but the loan period will increase the risk of a long period of time, reduced security, liquidity is also weaker. Therefore, the "three sexes" should be in harmony with each other, so that the loan can not be a problem. Repayment method: 1, equal principal and interest repayment: that is, the loan principal and interest and the use of equal monthly repayment of a way. Housing Provident Fund loans and most banks commercial personal housing loans are used in this way. This way of repayment of the same amount per month; 2, equal principal repayment: that is, the borrower will be loaned an average of the entire repayment period each period (month) back, while paying off the last trading day to the repayment of the loan interest between the date of a repayment method. This way the monthly repayment amount is reduced month by month; 3, monthly interest due to repayment of capital: that is, the borrower in the loan maturity date of a one-time return of the loan principal [period of less than one year (including one year) loans apply], the loan interest on a daily basis, the interest is returned on a monthly basis; 4, early repayment of part of the loan: that is, the borrower to the bank to apply, you can repay a portion of the loan amount in advance, the amount of general 10,000 or 10,000 integer multiples, repayment After this time the loan bank will issue a new repayment plan, in which the repayment amount and repayment period is changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period. 5, early repayment of all the loans: that is, the borrower to apply to the bank, you can early repayment of all the loan amount, repayment of the loan bank at this time the loan bank will terminate the borrower's loan, and for the corresponding discharge procedures. 6, with the loan: that is, the borrower to the bank to repay all the loan amount, generally amounting to 10,000 or 10,000 whole times, repayment, repayment, repayment of all the loan amount. The loan can be repaid at any time: the interest is calculated on a daily basis after borrowing, with one day counting one day's interest. At any time can be a one-time settlement of the money without default. Related Questions and Answers: What if I receive a late text message that I can unsubscribe from?

SMS do not take care of, overdue good efforts to earn money to pay off the debt. Carry a collection of calls and short messages, short messages do not reply to the past, when not seen short messages. Because get more affect the mood and make money time. Waiting to make money to have the principal after a one-time to deal with the settlement of debt. The next don't go to contact loans credit card.