Receiving a late payment notice for your bank credit card in your mailbox does not mean that the letter has also arrived. According to the query of relevant public information, if the payment is not repaid before the due date, the bank will send a text message to remind you of the late payment notification letter to the mailbox, and there will be a grace period of 3 to 5 days. A credit card late payment notice is a reminder sent by the bank when a credit card payment is overdue. If a credit card is overdue for more than three months, the bank or the outsourcing company it entrusts will send a collection letter.