Yes, regardless of whether you have received a text message reminder, as long as there is an overdraft consumption, you need to pay it back before the repayment date after each bill is issued

Credit card repayment:

1. Credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time;

1. If you pay off the full amount, no fees will be incurred. ;

2. To repay the minimum repayment amount, the daily interest will be calculated at 0.05%, starting from the consumption recording date;

2. If the repayment exceeds the grace period or the If the amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue, and the daily interest will be 0.05%. The interest will be calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount will be charged on a monthly basis.