there is usually a reminder when a credit card is overdue. In fact, before the credit card is about to expire, banks usually send text messages to remind customers to repay as soon as possible, so as not to miss the repayment deadline and cause overdue. After the credit card is overdue, if the customer has not paid off the debt, the bank may also send a text message or call to remind the customer to pay off the debt, so as to avoid the overdue time being too long and causing serious adverse consequences.

Extended information:

Personal credit reporting refers to the activities that a legally established personal credit reporting agency collects and processes personal credit information and provides personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting the information collected according to law.

at present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.

The main factors that may affect the personal credit risk score are: overdue repayment in the loan, failure to repay according to the agreed time limit and repayment amount after the credit card is overdrawn, or too many loan accounts and credit cards, etc. Credit institutions or information providers who receive objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit information industry in the State Council, check and deal with them within 2 days from the date of receiving the objections, and give a written reply to the dissidents.

credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The credit card stipulated by relevant laws in China refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card only.