Did the ant borrow a short message to remind the repayment date?

No, for example, you 1 borrowed it on the 20th. You will have to wait for the second month, and a text message will remind you to pay it back. Because it is this month's loan, you can borrow as much as you want this month. 2 1 return it on the 23rd of next month, and you can borrow it on the 25th. The repayment will be postponed until next month. There is no loan every month, and there is no need to pay it back this month.