According to Chinese law, overdue credit card payments are the borrower’s responsibility. Even if the bank does not remind you, the borrower is still responsible for repaying the loan on time.

Details:

1. Loan contract: Credit card is a loan product, and the contract signed by the borrower and the bank clearly stipulates the repayment obligations. Regardless of whether the bank reminds it or not, the borrower must fulfill its repayment obligations as stipulated in the contract.

2. Personal obligations: Borrowers should be responsible for their own financial situation, pay attention to bills and repayment dates in a timely manner, and take the initiative to make repayments. Banks do not have the absolute responsibility to supervise borrowers' repayment, and borrowers should make reasonable arrangements for repayment based on their own circumstances.

3. Credit evaluation: Late repayment will have a negative impact on personal credit history and may lead to a decline in credit rating. It is the borrower's responsibility to maintain a good credit history so that they can obtain more financial services and lower interest rates in the future.

Summary: According to Chinese law, even if the bank does not remind you, the borrower is still responsible for overdue credit card repayments. Borrowers should abide by the provisions of the loan contract, proactively pay attention to bills and repayment dates, and make repayments on time to maintain a good credit record.

Extended information: China's "Contract Law" stipulates the basic principles of the lending relationship and the rights and obligations of all parties. According to the law, the borrower should perform repayment obligations in accordance with the contract, and the bank does not have absolute reminders and supervision responsibilities for the borrower's repayment. Borrowers should consciously maintain their credit records and avoid bad behaviors such as late repayments.