This platform has been reported by many people. It is suggested to delete this platform directly. This platform is related to loans, and you should choose to ignore this statement directly.
At present, the vast majority of formal lending platforms have been connected to the central bank for credit reporting. Even if there is no credit, they support binding credit cards. On the one hand, it is to check the spending power, on the other hand, it is to check the credit information. Liar companies don't check credit information. They are even more dishonest than you, and their purpose is to cheat your trust.
You can check the nature of the loan platform online before borrowing, or check the loan contract before confirming the loan to see if the company has the qualification to lend, otherwise it is illegal.