I haven't received the short message from the bank. What should I do if the mortgage credit is overdue?

Yes, it can't be eliminated generally. Credit records are recorded by the People's Bank of China according to individual transactions in various banks, and their management, recording and checking are managed by the People's Bank of China. However, banks use credit information in different ways. For example, as long as there is no bad record in the last 24 months for mortgage loans and 3-6 months for credit cards, some banks, especially small banks and joint-stock banks, only need to have proof of overdue repayment of loans and credit cards. But not all banks will do this. Pay attention to timely repayment!