And texted me that I was suspected of disgusting breach of contract.

This is just a regular language, just telling you that it is overdue and some measures will be taken. The purpose is to make you pay back as soon as possible. There is no need to worry too much. You should pay it back as soon as possible.

After returning to loans overdue, the platform will upload the overdue records of customers' credit cards to the personal credit information system. We must consume rationally, control income and expenditure reasonably, and don't consume in advance.