Is the short message collection a letter collection?

If the credit card is overdue, it is a very normal channel for the bank to send a text message or a lawyer's letter. If it fails to return the arrears after repeated collection, it may be sued to the court. Therefore, if the money is not too much and there is no special difficulty, it is best to return the credit card arrears as soon as possible, otherwise there will be problems in credit reporting, which will affect personal consumption such as buying a house with loans in the future.