Legal analysis: the bank credit card is overdue, and it is legal to send messages to parents. According to the relevant laws and regulations, when handling a credit card, the cardholder's signature means that he accepts all the agreements. The credit card rules stipulate the details. When the credit card is overdue, the bank has the right to call or send text messages to the emergency contact or relatives of the cardholder. After the credit card is overdue, it is recommended to repay it as soon as possible. If there is repayment pressure, it is recommended to negotiate with the bank and repay by installments to ensure that personal credit will not suffer further losses.

Legal basis: Measures for the Administration of Bank Card Business Article 47 The card-issuing bank shall recover the overdraft and fraudulent funds through the following channels: (1) Deduct the cardholder's deposit and dispose of the collateral according to law; (2) the right of recourse against the overdraft of the guarantor; (3) recourse through judicial procedures.

Article 56 The bank card application form and the bank card use contract are contractual documents provided by the issuing bank to the bank card holders to clarify the rights and responsibilities of both parties. The cardholder's signature indicates that he accepts the agreement. The issuing bank shall formulate the bank card application form and credit card contract according to the principle of equal rights and obligations.