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揭秘邀请办理银行信用卡短信:办一张代理商收100元

2018年8月1日 1296点热度 0人点赞 27条评论

原题:《信用卡申办短信究竟是真是假?》

收到邀请办理银行信用卡的手机短信,短信里还带有链接。这样的信息该不该信,链接到底该不该点开?链接打开会出现什么?是到达安全的网页吗?如果真的想办信用卡,通过这样的途径是否安全?可以办理的信用额度真如短信中所宣传的那么高吗?……一系列的问题,将在这篇调查报道中得到解答。

读者李小姐的手机最近总收到一些邀请办理银行信用卡的短信,她说自己弄不清这些究竟是银行的正常营销还是骗子的诈骗短信,所以既不敢回复退订,也不敢点开链接,就怕给手机染上病毒。其实,很多市民都有跟李小姐相同的经历,记者自己也经常收到同类短信。那么这些邀请办理信用卡的短信到底是真是假?北京青年报记者对此进行了调查。

体验

三条短信链接都导向银行官方网站

北青报记者的手机上也存有三条短信,分别邀请记者办理三家银行的信用卡办理,其中两家都是股份制商业银行,一家是国有大行,他们的总部都不在北京。

第一条短信的发送号码是10692549527280,短信内容为:【XX银行信用卡】恭贺您符合我行白金卡申请资格!手续简便,额度高,刷卡免年费!官网领取 http://qr27.cn/EBfeSM 退订回T。

记者点开链接后,网页跳转到“XX银行信用卡在线申请”的界面,页面上有一张简约白金卡介绍,点击下方的“立即申请”,就进入到填写个人姓名、身份证号、手机号码的申请页面,下方还有征信查询的授权和已阅读章程的选项需要打钩。从网址来看,跳转的界面的确是这家银行的互联网统一服务平台。

第二条短信的发送号码是106914010172,只有12位,但也是1069开头。短信内容是:【XX银行信用卡】恭贺您符合XX银联金卡申请资格!额度高免年费,全国随地取现!官网领取 http://qr10.cn/DRrTja 退订回T。

记者点开链接后,直接跳转到申请信用卡填写个人信息的界面,从网页的域名看,与这家银行的官网相同。

第三条短信的发送号码是:106923157935506,内容是:【XX银行】特邀您办理XX银行白金信用卡,尊享5万额度,消费刷卡享5折立减!戳 http://t.cn/Ru88v15 申请,退订回T。点击链接后,也进入这家银行的信用卡申请页面,有各种卡片的样卡和介绍。从域名来看,这个页面也正是该行的信用卡中心官方的申请网站。

探访

银行为什么不用官方平台发短信?

由于北青报记者本身也是这三家银行的客户,记者的手机上平常也会同时收到他们的官方平台发来的短信。各家银行官方短信的号码多是银行的客服电话或结尾号码是客服电话,比较容易辨识。

比如,国有大行中,工商银行官方客服电话为“95588”,建设银行官方客服电话95533;股份制商业银行中,招商银行官方客服电话为“95555”,浦发银行是“95528”,中信银行为“95558”等。

此外,一些银行的信用卡中心及理财中心也有官方的短信发布号码平台。这些号码与官方客服号码关联度很高,也很容易识别,在某些品牌的手机上,上述渠道发送的短信被认证后甚至直接显示银行官方标志头像。

银行为何不使用官方短信服务平台,而用这种复杂冗长、让人疑心重重的1069开头的号码推广信用卡?

多名业内人士对北青报记者表示,这些短信是一种银行电销行为,不属于银行官方发布渠道。这类短信背后是银行信用卡中心等相关业务板块主动发起的营销行为。大规模群发营销短信的目的,是希望将一定比例的客户导流到信用卡官方申请网页上,吸引更多的人申办银行卡.

为何银行不使用官方客服短信平台发送?有业内人士表示,银行的官方短信服务平台并非什么短信都能发,需遵循一定规则,经过严格的审批。信用卡电销短信往往都达不到官方推送短信的触发条件,此外由于在银行内部申报流程繁琐,审批时间较长,所以银行信用卡、消费金融等业务部门一般都不使用官方客服营销。

揭秘

办一张信用卡代理商收100元佣金

资深业内人士邓先生(化名)告诉北青报记者,银行相关业务部门一般找合作伙伴或直接找短信运营代理商,帮助群发短信。邓先生曾经工作过的一家公司就接过银行这类业务。银行方面把短信内容编辑好,交给这家公司,公司再找长期合作的短信代理商群发出去。邓先生说,短信内容中最关键的就是链接,需要银行提供相关的入口,才能导入到他们的官方页面。与银行合作的渠道也很多,每个渠道群发的短信链接在后台应该有不同的代码或标记。每个通过短信链接导入的客户,银行都能在后台识别出是哪个渠道导入的,这是计算渠道佣金的重要依据。

银行会为这些客户付出多少获客成本呢?邓先生介绍说,银行给渠道计算佣金时,没有多个考核维度,最关键的就是最后成功申请信用卡的新客户数。银行原有的信用卡客户通过这种方式申请新卡成功,是不计入“工作量”的。同时,银行还要考核导流的总量。他记得,当时合作银行对他工作过的渠道考核基础是,在导流了一定点击量的前提下,每申请成功一张新卡,银行付100元钱;如果点击量超过定额,单卡佣金会提高到每张120元以上。

业内

短信按号段发送 一般不涉及具体信息

许多市民担心自己收到这类短信,是银行将自己的个人信息泄露给了第三方短信平台。邓先生表示不必过于担心隐私泄露,因为从他了解的情况看,银行只是将自己官网的链接开放给平台,并不分享客户的姓名和手机号码等信息。短信平台是按手机号段大规模群发短信,有时候会按银行要求选择下具体区域,比如某省某市,但平台不知道这个手机号码的机主是谁,也不知道这个号码是否有效,就跟大家经常接到的推销电话一样。

北青报记者收到的短信内容也可以印证邓先生的看法。虽然记者已是这三家银行的客户,但这些短信都没有显示记者的任何个性化信息。记者本身就是其中两家银行的信用卡客户,却也收到这类短信,说明发送平台并没有区别对待。

提醒

短信链接不要轻易点击打开

既然这些银行办卡短信都是真实的推销,大家是不是就可以放心大胆地随意点开呢?资深银行卡专业人士董峥给出了否定的建议。

董峥表示,虽然市场上大部分信用卡邀请短信是真实渠道营销行为,但也不排除少数不法分子利用伪基站发送含有木马病毒的诈骗短信。群发短信这种营销方式,都是广撒网,只要网足够大,总有鱼上当。商家会利用这种方式获客,骗子也会有同样想法。但对个人来说,只要上一次当,可能就是难以挽回的损失。

董峥建议,如果真有办理信用卡的需要,最好登录银行官方网站或手机银行APP或官方微信公众号。

此外,还有多位业内人士提醒,即使大家收到的短信说你已具备资格可申请办理高额度的信用卡,也不要太乐观。银行信用卡中心一定是根据申请人的资信等级审批卡片透支额度。此前有过不少短信说有资格办白金卡,最后只批下普卡的案例。(来源:北京青年报)

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最后更新:2018年8月1日

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