The reasons for sending credit card in text messages for overdue online loans may be as follows:

1. Simplified communication methods: Borrowers provide personal information when applying for online loans, including Credit Card Number. Using a credit card as a contact method can be directly linked to the borrower's personal information, making it easier for debt collectors to communicate.

2. Reminder on repayment methods: Credit card is a common lending tool, and debt collectors may hope to encourage borrowers to pay off their debts by reminding them to pay attention to credit card repayments.

3. Establish a deterrent effect: Using a credit card as a contact method may be to remind the borrower of the adverse impact that a default will have on his or her credit history and credit score. Doing so may act as a deterrent for borrowers to repay as quickly as possible.

To sum up, obtaining a credit big data report and understanding the comprehensive credit score on a third-party big data credit platform, such as Netdome Data, can provide a more comprehensive understanding of the borrower's credit status, thereby taking more effective measures. Effective collection measures.

Extended information: With the rapid development of Internet finance, the problem of overdue online loans has become increasingly prominent. In order to increase the recovery rate of overdue debts, collectors often use a variety of means to contact borrowers, including text messages, phone calls, etc. At the same time, credit cards, as a convenient payment tool, are often used by debt collectors to remind borrowers to repay. When dealing with overdue online loans, borrowers should communicate with the collector in a timely manner and formulate a repayment plan as soon as possible to avoid the long-term impact of bad credit records on their credit scores.