"Lightning loan" inexplicably asked me to repay 500 yuan, and I didn't make any excuses at all.

I can tell you responsibly that if the other party really calls you, then you must have applied. Now you need an ID card, a mobile phone and a bank card when you apply. It is impossible to give you money, so it may be your own fault, but you definitely did it yourself. Maybe even your own bank received this credit, but because your mobile phone didn't receive the text message.