The credit card sends a text message saying whether the prosecution is true or not.

Legal analysis: credit card sending a text message saying that the prosecution is not true is a fraudulent text message.

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.