Is it a liar to receive a long-time flower card text message?

Taking advantage of people's eagerness for loans, some criminals lied that users have low credit and need to pay deposits, insurance premiums and other fees by sending short messages in groups to trick victims into transferring money. Don't believe it when you receive a long-term flower card message, and don't click on the link or reply to the verification code. You should check it clearly through formal channels.