Legal analysis: the specific company of credit card loan is unknown, which belongs to a way of selling online loans to the people through mass texting on advertising platforms. In daily life, users always receive all kinds of spam messages. If users receive such messages, don't believe them, let alone click on the link to fill in the information, and be vigilant to prevent personal information from being stolen and misappropriated.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.