SMS micro-loan has been cheated and does not need to be returned.

First check whether the bank card number is my own, and if it is, confirm whether it is my own name. If it's not your bank card number, but your name, then you must have been cheated. Legal basis: Article 679 of the Civil Law: A loan contract between natural persons is established when the lender provides a loan. You don't have to pay back the loan if you are cheated. Because the repayment needs to be made after the loan is received, the loan is not established and there is no need to repay. There is no money received in the bank card, no loan relationship is formed, and there is no responsibility and obligation to repay. Even if it is a formal loan, the other party must fulfill the loan obligation before the contract will take effect. So don't worry about repaying for no reason. In this case, you'd better complain to the bank in time. 1. In case of online fraud, it is recommended to report to the online crime reporting website or call 1 10 to report to the local police station. The other party's behavior is suspected of fraud; If you are cheated, you must call the police. If it is necessary to call the police, the police will be exempted from responsibility after solving the case. Avoid taking bad consequences and losing property. (1) Article 266 of the Criminal Law: whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail. (II) Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Fraud Article 1 If the amount of public or private property is more than 3,000 yuan, more than 30,000 yuan, more than 100,000 yuan and more than 500,000 yuan, it shall be deemed as "a large amount" and "a particularly huge amount" as stipulated in Article 266 of the Criminal Law.