SMS mainly serves as a reminder, and not all banks will have this service. This situation is generally aimed at the cardholder's early overdue repayment behavior, which is usually 7 to 15 days overdue.

After discovering that the credit card is overdue, you must take the initiative to repay it in time, and you can't expect the bank's SMS reminder. Usually careless friends can also use some third-party platforms to remind them. Alipay, WeChat, etc. Generally, you can set up a credit card repayment reminder, or directly bind the savings card for automatic repayment, but you must ensure that the amount in the card is sufficient for repayment.

Extended data

Banks send text messages after the last repayment date, and many banks have a grace period of 1-3 days after the repayment date expires. During the grace period, if the customer receives the overdue notification SMS and immediately pays off the arrears, then the overdue records will not be reported to the credit information system, which means there is still room for recovery.

Of course, the specific conditions stipulated by each bank are different. For some banks, if customers receive bad information notification SMS, it means that bad information has been submitted to the credit information system or will be submitted soon, and there is no room for recovery, just notifying customers.

Reference source: Baidu Encyclopedia-Credit Card