I have never personally taken any money from ICBC, so why did 95588 send a message saying that I have a loan?

It is recommended that you call the ICBC customer service hotline 95588 to verify whether there is a loan in your name. If you confirm that you have received a reminder text message that was not customized by you, you can use the mobile phone number that received the text message to dial 95588 and call the manual service to try to unsubscribe the relevant information. If the customer service hotline cannot unsubscribe, please bring your original valid ID and the certificate of the text message you received in error. Use your mobile phone to go to any ICBC business outlet to verify your mobile number. After passing the verification, you will no longer receive text messages by mistake.

(Answer time: January 16, 2020. In case of business changes, please refer to the actual situation.)

The ICBC card was suddenly deducted 4,500 yuan by the loan platform. It is useful to call the police Is it useful?

The police will investigate your ICBC card to find out the operator of the loan platform. He also asked the operator of the loan platform why he was suddenly deducted 4,500 yuan from the loan platform. If it was illegal, the police would seize the loan platform and recover the stolen money in accordance with the law.

There was suddenly a sum of money on the ICBC card that was said to be a personal loan

The reasons are as follows. Now we are gradually beginning to realize the importance of credit to individuals and have begun to manage our own credit reports. Credit checks don’t have more records for no reason. If loan information about instant consumer finance appears, in addition to users who have applied for loans on the platform, it may also be that the matching funds are instant consumer finance in other places. However, users do not know that normal credit records will be eliminated after 5 years. There is no special objections cannot be dismissed.

Personal loans can be simply divided into formal bank channel loans and non-bank channel loans. The threshold for applying for a loan is too low now, so some institutions will not carefully check the borrower's true information, but can lend money with basic information. There are also many channels for applying for loans. You can apply for a loan through the Internet, mobile phones, third parties and other channels. Sometimes you can use an ID card or a mobile phone to register an account and then apply for an online loan, which is not difficult. According to user feedback, the police need to provide evidence of lost ID cards and proof of loans. If there were no losses, the case would probably not be filed.

If the lending institution is a formal licensed company, you can call the company directly to complain. There will be dedicated customer service for risk control and can cooperate with the police. Contact the bank directly and ask the bank to immediately cancel the successfully applied bank card and repair the bad credit. If the bank disagrees, you can complain directly to the head office. It must be prepared with sufficient evidence or it may be returned. Personal credit cooperatives established in accordance with the law are responsible for collecting and processing personal credit information, and providing personal credit information inquiry and evaluation services according to user requirements.

China’s personal credit system has made great progress in recent years. Although there are still many criticisms and criticisms, the world's largest credit system has been established, and the overall trend is continuous improvement. I believe that after the baptism of time, personal credit will match the rapid development of social economy and play a greater role in the future. With the development of Internet finance and financial technology, in addition to pan-financial information such as loans, repayments, overdues, etc., current personal credit reports also include more daily content, such as utility bill payment, telecommunications fees, taxes, administrative rewards and punishments, etc. It improves the credibility of personal credit reports and expands the practical application scope of personal credit reports.

What should you do if ICBC forces you to get a loan?

Users can directly return the loan to the original route and keep relevant certificates. If the situation is serious, it is recommended to call the police. According to feedback from netizens, it is still effective after calling the police. It is necessary to provide screenshots of chats, screenshots of transfers and payments, contracts and agreements and other information.

Although some users have returned their funds after encountering forced loans, they are still being harassed, so the above-mentioned alarm is still necessary. If nothing happens after returning it, it is recommended to close the relevant authorization items or log out of the APP directly to avoid any negative consequences in the future.

The ICBC savings card was frozen. It was said that there was a loan of RMB 170,000 but I had not paid for it. What was going on?

Please call 95588 or go to the bank where you opened your account to inquire about your account situation, or you can verify your loan processing status through ICBC counter channels with your ID card and card. The details will be subject to notification by the staff.

(Answer time: July 9, 2021. In case of business changes, please refer to the actual situation.)