Why does OPPO wallet send a message in the mobile phone message saying how much cash you have?

Every month, the personal credit evaluation qualification will be evaluated from time to time and the quota will be adjusted. It is a business similar to the petty cash in Yu 'ebao, which will lend you a small sum of money when you are in urgent need. However, it depends on how the personal credit record needs to be systematically evaluated, that is, 500 yuan should be used first and then returned. The first month is free, and the second month has interest, which is equivalent to borrowing money from the platform.