My husband suddenly received a text message from the bank.

If you receive repayment information from the bank, it may not be a credit card or a bank loan. You can pay attention to the content of the information. if

Bank repayment amount and SMS date, if sent on the 20th of each month, are generally loan interest; On other dates, it's probably a credit card account. Another way is to look at the amount. If the amount payable every month is almost the loan interest, if it fluctuates greatly every month, it is a credit card.