Because when applying for a loan, the lending institution must verify the bank card, and the bank card, cardholder's name and mobile phone number verification code must pass the system authentication. Unless a friend steals the user's identity information to apply for a loan, the loan funds will not be transferred to the user's bank card.
When the user does not apply for a loan, but has loan funds to the user's card, he must contact the lending institution in time, otherwise the lending institution may think that the user has applied for a bank card himself, thus requiring the user to repay.
Extended data:
Baidu anti-fraud alliance team specially reminded:
Please be alert to the network false loan information scam. According to relevant national laws and regulations:
1. Small loan companies and guarantee companies in various places cannot lend across regions. Therefore, the information published on the Internet that you can get a loan only with your ID card is a scam.
2. Especially in the name of Beijing, various guarantee companies, various small loan companies in Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Tianjin and other places are basically fraudsters, and some QQ WeChat claims to be the customer service of various loan companies or banks, but they are all fake liars. No matter whether the company is registered or not, don't believe that the swindler will cheat you to sign the fax contract first, and then pay the insurance premium, the first month interest, the performance fee, the deposit, the guarantee fee, the loan fee, the notary fee, the credit information fee, the house loan and so on step by step. And ask you to transfer all the funds in your account to the liar's account in the name of insufficient bank flow, checking repayment ability or capital verification. You are even required to apply for a bank card at a designated bank and deposit a certain amount of cash, and then bind the liar's mobile phone number and other low-level fraud means. If you don't pay the fee as required by the swindler, the swindler will threaten to blacklist you in the name of signing a contract with them, and threaten to sue you for breach of contract and compensate for huge liquidated damages. This is really a low-level fraud, a typical fraud!
Please remember that it is an absolute fraud for the other party to ask you to pay any upfront fees for any reason. Under any circumstances, don't remit money, transfer money or pay any fees to others first, so as not to be cheated! Don't believe the threat of any liar. Because the other party is suspected of fraud, the contract signed with the liar has no legal effect and there is no so-called breach of contract. Low-level fraud means that the liar threatens the court to sue for compensation for liquidated damages, which is sheer nonsense. Don't worry. If you are cheated, regardless of the amount, please choose to call the police! In recent years, online loan fraud cases are rampant, and the number of deceived people has surged. Please also ask local public security organs to vigorously crack down on rectification!