I have never used a loan. Why did you send me a reminder?

It means that you borrowed this loan product before, or your personal information may have been leaked. At this time, you received a fraud message.

After this problem occurs, I suggest you give priority to your loan record. Many online loan products are informal and there are no formal borrowing channels. Some users even forget their previous borrowing behavior directly. In this case, you can carefully recall your previous loan situation and verify whether you have signed a loan agreement with this online loan.

If you don't borrow any online loan products yourself, you need to check whether your personal information has been leaked. Your personal information contains your personal privacy. After your personal information is leaked, many bad online loan products will send loan information to users to attract users to apply for online loans in this way. I suggest you be careful not to touch such products.

First, you need to check your loan record.

After you receive the collection information, it generally means that your online loan product has been overdue for a long time. Although not every online loan product has a formal business license, when you apply for a loan, you will sign a loan agreement with the online loan product, so this loan behavior will also take effect. Whether you take the initiative to implement malicious overdue behavior or not, your overdue behavior will generate penalty interest and seriously affect your personal credit information. As well as the personal credit information of the central bank at the loan meeting, you can also choose to log in to your personal credit information account to verify your loan situation in this way.

Second, you need to protect your personal privacy.

Under normal circumstances, if the user has a record of applying for online loans before, or if the user has published his real name information online, then the user's personal information will be used by criminals. Many online loan companies send text messages to users in groups to attract people who want to apply for online loans. If you have never been exposed to online loan products before, I suggest you continue to maintain your personal credit information. No matter what conditions, don't touch online loan products.