Is your mobile phone number the emergency contact person filled in by your friend or colleague when applying for a loan?
First of all, everyone should know that those who can make such calls or send such messages are not official employees of the bank, because the bank has subcontracted the work of handling these bad debts to debt collection companies. Due to the uneven quality of the staff of debt collection companies, some employees are relatively high-quality and reasonable, and some employees like to be hooligans and arrogant. So, when you get a call, don't be scared by the exaggerated words of the other party. In fact, they have no choice but to harass and scare you.
Secondly, if you get this call, it's actually nothing. Tell them politely that you don't know the cardholder very well, or that you can't contact yourself, and then hang up. Under normal circumstances, you won't call me again. If you are unfortunate enough to meet some rogue debt collection companies and they call you again and again, you can tell him to stop harassing me with a very strict attitude, because he is not a guarantor and has no guarantee in any form, and he has no obligation to repay on his behalf.
Then, if his attitude is too tough, you can directly tell him that you have recorded it and let him know that you can complain to his superior department at any time. This method is very useful for such companies, or you can tell them directly and then we will call the police. Also, if you often receive similar text messages, you can also complain directly to the associated bank.