I received a text message from Gitzo Loan for no reason.

As long as you haven't borrowed money, you don't have to pay attention to it. It should be a mistake for the borrower to register the number there. Or you can reply directly and tell you that you haven't borrowed any money and the phone number is wrong. Don't let them text again.

Some people have never borrowed money, why do they always receive repayment messages? I'm also worried about whether it will affect personal credit reporting. What should I do if I encounter such a situation?

1. I have never made a loan, but I have received repayment information. If this happens, they should first investigate the reasons and avoid falling into loan fraud.

2. When receiving the repayment information, carefully consider whether there is any loan leakage or forgetting according to the repayment platform and repayment amount displayed on the repayment information, or print a personal credit report to inquire whether there is any relevant loan approval record. If you verify that such repayment information has nothing to do with you, you don't need to pay attention to it. It may be loan fraud, repayment link covered in SMS, so don't click on the operation to avoid adverse situations such as capital risk.

3. If the name of the payer is your relative or friend, you can recall whether you have made a loan guarantee for others or been filled as an emergency contact. In this case, the loan platform may remind the borrower to make repayment through you because the borrower fails to fulfill the repayment obligation.

At the same time, the individual has never made a loan and is not familiar with the name of the payer. It may be because the last user of the mobile phone number has not repaid, and the loan platform contacted the borrower according to the number at that time. Individuals who receive repayment messages that have nothing to do with themselves can contact the collection platform to explain the situation and ask them to stop collection.

How to deal with the loan when the ID card is stolen?

1. If your ID card is stolen by someone else, once the customer finds out, it's best to contact the institution/platform of the other party's loan to explain the situation clearly and explain that the loan is not operated by itself, so that the other party can ask the fraudster to pay back the money, and the customer does not have to bear the repayment responsibility.

2. If the customer suffers economic losses due to the stolen ID card loan, and the loss amount is not small, he can also provide evidence of the stolen ID card loan and report the case to the local public security department.

3. If the lending institution/platform ignores its own explanation and continues to demand payment from itself, the customer can also report to the local CBRC or Internet Finance Association to safeguard the legitimate rights and interests of the individual.

4. Everyone needs to pay attention. Always keep your ID card safe, and don't give it to others casually. Once you find it lost, you need to report it as soon as possible. Never tell others your identity information at will; Don't click on unknown links when surfing the Internet to avoid information leakage.