What does it mean that the mobile phone receives a text message from the Agricultural Bank of China credit card?

This proves that your credit card has not been returned. Please ask the bank at once. Your overdue record has been filed in the personal credit record of the People's Bank of China, which may have a certain impact on future loans. I worked as an intern in the personal credit window of the People's Bank of China, and it should be like this. In addition, you can go to the People's Bank in person to check your personal credit record and bring your ID card.