I use the apha credit loan app for the purpose of loan lending. when i checked, they informed me that I was ineligible for the lending option, so I uninstalled the app. However I later received a message with the credit amount of Rs.1925. Repayment options were not available at the time. Within a week beyond the due date, they charge me twice as much. I received 1925 but had to refund 3500 within a week.  They also used really foul language to threaten me with paying back the money. They also threatened to tell my family, friends, and contacts about it.