Is it true that micro-loans are maliciously overdrawn by sending text messages?

Sending text messages to micro-loans and malicious overdraft are fake. Messages with the word unsubscribe can be ignored. If you really sue, you won't be notified by SMS, you will be sent a lawyer's letter directly, and then you will be asked to negotiate repayment at the specified time, and then you can sue again, so you can ignore this completely. But the small amount of loans overdue has a great influence. First, comprehensive big data can be queried through third-party platforms, such as the meow data in WeChat, to avoid problems such as ID card risk list, small loan risk list and loan blacklist without knowing it. At the same time, there is also a credit report. Micro-loan is the product of credit reporting, and it will be tainted after it is overdue. Once credit information and big data are damaged, it is difficult to obtain loans. Most importantly, if you don't pay it back for a long time, the micro-loan may really sue you, so try to negotiate. It's really impossible Pay a little more every month, at least to avoid being sued.