First, the bank may have a system failure or communication problem, resulting in the reminder message not being sent to the cardholder in time. This may be a technical problem within the bank, or a failure in the communication channel with the third party, resulting in the failure to convey information in time.
Secondly, the overdue credit card may not have reached the threshold of bank collection. According to the bank's policy, there may be a certain grace period. If the overdue time does not exceed this grace period, the bank may wait longer for collection.
in addition, the contact information provided by the cardholder may be incorrect or expired. The bank informs the cardholder of the overdue situation through SMS or other collection channels. If the contact information is incorrect or expired, the bank will not be able to contact the cardholder in time and will not be able to carry out the collection work.
generally speaking, citic credit card is overdue without urging and SMS notification, which may be caused by banking system failure, overdue situation not reaching the collection threshold, or incorrect contact information provided by the cardholder.
Extended information:
Banks manage overdue credit cards in accordance with relevant laws and regulatory provisions. Banks usually take collection measures after the cardholder is overdue for a certain period of time to urge the cardholder to pay off the arrears. Specific ways of collection may include telephone notification, SMS reminder, legal letter, door-to-door collection, etc. Cardholders should repay the overdue amount in time to avoid bad credit records and additional penalty interest due to overdue. At the same time, cardholders also have the right to understand and safeguard their rights and interests. If they think that there is a problem with the bank's collection method, they can complain to the relevant departments or seek legal assistance.
Summary:
The failure to urge and notify by SMS in the case of overdue credit card of CITIC may be due to banking system failure, overdue situation not reaching the collection threshold or incorrect contact information. Cardholders should know their credit card repayment status in time to ensure timely repayment of arrears and avoid bad credit records. If you have any objection to the bank's collection method, you can complain to the relevant departments or seek legal assistance.
The above answer is based on the possibility that CITIC's credit card is overdue and there is no SMS.