The content of the text message is "Your credit card with the last number XXXX has been cancelled. If there is any excess balance in the card, you can bring the card and ID card and collect it at any Bank of Communications counter 45 days later. The remaining points in the card will be cleared."

1. "Your credit card ending with XXXX has been canceled": This part tells that the credit card ending number provided has been successfully canceled. This means that the credit card can no longer be used and any attempt to use the card will result in a failed transaction.

2. "If there is an excess deposit in the card, you can bring the card and ID card and collect it at any Bank of Communications counter 45 days later": This part is the remaining excess deposit on the credit card (that is, the amount you have recharged but not yet used) ), you can collect these excess deposits after 45 days by bringing your ID card and credit card to any ICBC counter. This is to ensure there is enough time to deal with any possible settlement issues.

3. "Remaining points in the card will be cleared": This section indicates that when the credit card is canceled, all remaining points will be cleared. This also means that these points can no longer be used for any transactions or redemptions.