Why do you receive messages of malicious overdraft from others? Will this affect your credit?

It doesn't matter, because you don't owe money, please ask the mobile phone company to block this information.

If the parties refuse to perform the agreement, resulting in arrears, it can already be the reason for the other party to sue. According to Article 1 19 of the Civil Procedure Law, prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant.