Why is there always news that I am in loans overdue, and I don't have a credit card?

If you don't apply for a loan, but you receive overdue information, it may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.

At this time, the user's loans overdue is over, and financial institutions will send short messages for collection, while loan products will not send short messages. Users must carefully check whether their loans are overdue after receiving such short messages.

What should I do if I receive overdue information for no reason?

Can be handled according to different situations:

1. It is possible that the information has been stolen. When it is clear that you have not borrowed money, but you do owe a certain amount of money, you need to call the police to solve the debt dispute.

2. If the information is not stolen, it may be that a friend owes an online loan, so you need to call to check whether the friend owes a loan.

3. It is also possible that you visited the loan website, which led to the disclosure of personal information. You should be more cautious when dealing with similar incidents.

The user did not apply for a loan, but received overdue information. This may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires users to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.