if the last repayment date of the credit card is forgotten and there is no repayment, the bank will generally give a notice, which is the obligation of the bank.

banks have the obligation to inform users of repayment; The essence of the legal relationship between commercial banks and customers is mainly embodied in the contractual relationship. The obligation to inform comes from the provisions of Articles 6 and 92 of the Contract Law.

As far as the disclosure obligation is concerned, commercial banks should at least pay special attention to the following aspects:

① the obligation to explain the terms of the standard contract;

② notification obligation during the performance of the contract;

③ the obligation to explain the choice and use of products;

④ the risk disclosure obligation of customer's property safety.