I pay my mortgage every month, and there is still a balance on my card. Why did the bank send me a text message saying how much is the accumulated overdue principal and interest?

You mentioned several possible situations:

1. After the central bank raises the benchmark interest rate, you still repay the original monthly loan, which leads to overdue payment in each period. When you repay the monthly payment in the current month, the bank will deduct a part to supplement the monthly payment owed in the previous month, so there will always be a balance in the money you repay in advance in the current month, and it will be less than the monthly payment in the current month on the repayment day;

2. It is possible that you received a fraudulent message instead of a short message from the bank. In recent years, some criminals use the virtual number change method on the Internet to change false information to the same number as the bank, which makes you mistakenly think that it is the information sent by the bank, thus falling into their fraud trap;

It may be that you deposited the wrong bank card. If you have more than two bank cards, the bank will not deduct them from your other cards once you make a mistake. In addition, if the original loan card is lost, you need to go to the bank loan center to make changes after reissue, otherwise the bank will still deduct the monthly payment from the original account.

There may be something wrong with the banking system. You can go to the bank counter or the loan center to check and confirm.