The credit card is overdue for two months. I received a text message starting with 1068 saying that I need to put it on record.

Legal analysis: If prosecution is indeed made, a summons will be issued to the court in the future. And SMS notification, usually a dunning behavior of a bank or loan company, is only a warning of the consequences of being sued for non-repayment. It is best to contact the bank in arrears directly and negotiate how to repay.

Legal basis: Article 85 of People's Republic of China (PRC) Civil Procedure Law is directly served on the addressee. If the addressee is a citizen, I will not give it to his adult family to sign for it; If the addressee is a legal person or other organization, it shall be signed by the legal representative of the legal person, the principal responsible person of other organizations or the responsible person of the legal person or organization; If the addressee has an agent ad litem, he may send it to his agent for signature; If the addressee appoints an agent to the people's court, it shall send it to the agent for signature. The date of delivery is the date when the adult family members, legal persons or other organizations of the addressee are responsible for receiving and the litigation agent or agent signs for it.