The bank of communications credit card I just applied for will be returned tomorrow. I haven't received the SMS reminder yet. Should I return it tomorrow?

Yes, no matter whether you receive SMS reminder or not, as long as there is overdraft consumption, you need to repay each bill after it is issued and before the repayment date.

Credit card repayment:

First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. For the minimum repayment amount, the daily interest shall be calculated at 0.05% from the consumption bookkeeping date;

2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue, and the interest will be calculated at 0.05% per day from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.