Huaxia Bank is more than 7,000 overdue, and sent a text message saying that the Public Security Bureau has filed a case.

Legal analysis: It may be true, or it may be that the bank outsourced the SMS sent by the company.

1. If it is a small overdue record, it may be restricted by the bank in future mortgage, car loan and personal loan.

2. If the amount involved is large, it may violate the law:

If the overdraft amount of a bank credit card holder reaches 5,000 yuan (excluding interest) and has not been paid back for three months (counting from the value date), it is suspected of credit card fraud after repeated reminders from the bank.

If the cardholder fails to repay within half a month after receiving the notice from the public security organ, the public security organ will deal with him on suspicion of credit card fraud.

Legal basis: Article 19 of the Criminal Procedure Law of People's Republic of China (PRC), except as otherwise provided by law, criminal cases shall be investigated by public security organs. Crimes such as illegal detention, extorting confessions by torture, and illegal search. When the people's procuratorate conducts legal supervision over litigation activities, it finds that judicial personnel have violated citizens' rights by taking advantage of their functions and powers and damaged judicial justice, and may file a case for investigation. If a major criminal case of a functionary of a state organ under the jurisdiction of a public security organ needs to be directly accepted by a people's procuratorate, it may be placed on file for investigation upon the decision of a people's procuratorate at or above the provincial level. Cases of private prosecution are directly accepted by the people's courts.