Bank of communications credit card dunning notice

There are two things I don't understand.

Isn't the reminder notice of Bank of Communications notified in time by SMS?

Since you only received the reminder from Bank of Communications, how do you know that Bank of Communications sent you a reminder and paid the arrears at 13?

It's routine for Bank of Communications to send reminders. Because you are afraid that the reminder will not reach you in time, your interest-free period will be cancelled because you don't repay in time, resulting in a daily interest rate of 0.5 ‰, plus a late fee of 5% of the original interest rate, resulting in a bad record.

I sent you a reminder in advance, and the reminder was sent to you a few days late.

It is best to repay the loan on 18 to avoid the bad record of interest \ late payment fee \ for various reasons.