The short message from Bank of Communications said that I owed a loan. I don't even have a bank card.

The process for a regular bank is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) the loan application approval form; (The lender directly fills it in at the lending institution)

(2) Proof of residential address; (the certificate issued by the neighborhood Committee or the water and electricity payment invoice paid)

(3) proof of work and income;

(4) other information required by the bank.

Secondly, after the bank has approved the application materials submitted by the borrower, the two parties sign a loan contract.

finally, the bank issues loans to borrowers by transfer.