This is an inherent behavior of the piggy bank. As long as you borrow money, you need to open a membership program called Xiao Guo Heika, otherwise you can't repay it, which will affect your credit information.

The Credit Information Center of the People's Bank of China will not inform the information subject about loans, money or blacklists by SMS, telephone, email, etc. The information subject should be vigilant, and don't click on relevant links for authentication or money transaction at will to avoid being cheated.