I received a reminder message today, which was so scary. What should I do?

Introduction: Now online fraud is rampant. Liars can pretend to be anyone around you or even the police to cheat your trust and achieve their own goals. Therefore, they should do so when they receive the reminder message.

First, don't panic when you receive a reminder message. First, you should think calmly about whether you borrowed money from a certain platform and failed to pay it back within the time limit. You can look through your loan records and related information of your bank card. Even ask your friends if they have used their information to get a loan without permission. If you have no such behavior at all, don't panic. This is a trick of a liar. If a friend does this, then such a friend is not needed, and then negotiate with the platform or even sue to the court to solve this problem.

Second, after confirming the truth, if it is proved through some inspections that there has indeed been credit on a certain platform, and it is overdue, then you can negotiate with the platform. Explain why you don't pay your debts and return them in time. If the amount owed greatly exceeds your repayment ability. Then you can explain to your relatives and friends why you owe the money and ask for their help to return it in time. At this time, we need to be careful not to lend to some usury or non-performing loan platforms because of too much debt. If you find that the money you owe is from the loan platform. Then you can complain to the relevant departments and seek the help of the police.

Third, is it true to collect debts at home? For most platforms, debt collection basically reminds debtors to repay in time by publishing information or telephone contact. Few people come to collect debts, but they can't completely conclude that they are false. It needs to be judged according to the amount of arrears and the length of arrears, or you can contact the platform to confirm the authenticity of the matter. Don't overspend and repay the loan on time.