The Yunnan Rural Credit Cooperative’s credit card was overdue but it did not call to inform the cardholder. It may be because the bank system made an error and failed to remind them in time, or it may be that the bank has sent a text message reminder. Under such circumstances, it does not mean that the bank does not want the money. The cardholder must contact the bank proactively, explain the situation, and then repay the money as soon as possible. Because an overdue credit card will not only affect the cardholder's personal credit report, but also generate a large amount of penalty interest and liquidated damages. As time goes by, the cardholder's repayment pressure will increase.