Not exactly. China Merchants Bank will send a text message to remind you before your final repayment date. It's not overdue, just reminding you to repay as soon as possible.

There will be a three-day grace period on the final repayment date. If you still don't return the order, it will expire. However, you can call customer service to negotiate, but it is best to repay as soon as possible, and overdue will affect the credit investigation.

Warm reminder, you should spend reasonably according to your own ability.

I hope I can help you.