The flight card sent a message saying it would be returned.

SMS is sent and received by a third party and can be used as a notice of arrears. It is worth noting that credit cards have to pay expensive handling fees, whether they are the minimum repayment amount or the installment payment of bills, and try not to make the minimum repayment amount and installment payment unless absolutely necessary.

The minimum repayment amount of a credit card is generally 10% of the total bill. As long as the cardholder's repayment amount during this period is greater than or equal to the minimum repayment amount stipulated by the bank, the bank will think that you have "returned part of the arrears" during this period. In the PBOC credit information system, your repayment record during this period is "paid back", and no overdue record will be generated.