CITIC Financial sent a text message saying that my online loan was overdue. Is there a loan?

Maybe someone else borrowed your ID card to get a loan.

You can ask CITIC customer service, or go to the bank to print a credit report to see if you have all the loans. If you find that your ID card has been stolen by others, you should immediately call the police and call the loan company and tell them that I didn't make the loan myself. Generally, in addition to identity information, you need to sign a loan contract. The loan contract needs the lender's signature and handprint, and it can be determined whether it is signed by the parties themselves through appraisal. Stealing another person's ID card or using another person's ID card to borrow money is an illegal and criminal act and will be punished by law.