WhatsApp message threatening loan repayment from "Credit Wallet

I received a WhatsApp message from an unknown international number ([PHONE]) claiming to represent “Credit Wallet” and demanding loan repayment. I have never taken a loan from Credit Wallet. The message threatens daily penalties, damage to my credit record, and repeated contact with my emergency contacts. It also includes a suspicious shortened payment link. Please be careful. Do not click unknown payment links or share personal or banking information without verifying the sender. Warning to everyone: If you receive similar messages, verify the claims before making any payment. Stay alert and report suspicious numbers. 🚨