My Xianghua card is overdue for 2 days and keeps sending me text messages.

This should be the responsibility for customer credit reporting.

The credit report will divide overdue records according to the length of overdue time. If the overdue time does not exceed 90 days, the overdue record is generally overdue; if the overdue time exceeds 90 days, the overdue record is seriously overdue.

Xianghua Card is a credit card wallet product produced by Bank of Shanghai. It is essentially a virtual credit card. It has the highest credit and can obtain 60,000 yuan. The period is the same as the credit card usage period and is reimbursed according to the bill. , can display 51%. After successful line change, you can also bind Alipay and WeChat for consumers to use. Just copy the card number and then output the amount. Currently, there are many products on the market. If you want to choose a suitable company for yourself, it is undoubtedly like finding a needle in a haystack. Only by understanding clearly can you prepare application materials. Now it is divided into two modes: loan limit and Xianghua Card shopping limit. Generally, the loan limit can be approved. Xianghua Card basically has a limit. The limit can be consumed in installments in shopping malls, and can be used by analogy to purchase mobile phones, etc. You can't buy anything with the Xianghua Card at all, because Shanghai Bank refuses to make transactions when using the Xianghua Card. In fact, this situation is declined and there is no limit to use. Also, you cannot scan the QR code to pay with the card, so there are only two ways to withdraw the purchase amount on the card, one is cash on delivery. It is the product designated by the merchant, and the merchant will collect payment from the customer after receiving the goods.