Recently, I applied for credit card and software to borrow money, but none of them passed. The text message just came. Are you a liar?

Well, if the credit card and software you recently applied for are invalid, then this may indeed be fake. After all, some software you searched online is unreliable. It doesn't have a formal business license, a formal company, or a backstage. If you want to borrow money through this software, it is very unreliable. It may cause your personal money loss, and if you don't say it, your personal information will be damaged. If you want to do it regularly, you'd better go to the bank, so that the bank will have a certain guarantee, and there is no such high interest rate, which is also a guarantee for your personal safety.