But I didn't get the text message on my credit card.

According to the information you provided, you mentioned that the industrial and commercial credit was overdue and you signed the agreement in person but you never received the notice. I will answer your questions as required.

First of all, you didn't receive the notice after signing the agreement in person, which may be caused by the following reasons:

1. System processing time: Sometimes, it takes some time to complete the protocol processing. This may involve many links, including data verification and document review. Therefore, you need to wait patiently for the processing time.

2. Notification delay: It may be caused by system failure or human factors. Such as mailbox problems, communication network failures, etc. It may cause a delay in notification. In order to solve this problem, you can contact the relevant departments or institutions to inquire about the progress of your application or request to send the notice again.

3. Incorrect contact information: If the contact information you provided when signing the agreement is inaccurate, the notice may not be delivered. Please make sure that the telephone number, address or email information you provided is accurate, so as to receive the relevant notice in time.

In a word, the reasons for the extension of the notice need to be judged according to the different situations of signing the agreement face to face after the industrial and commercial credit is overdue. While waiting for the notice, you can take the initiative to contact the relevant departments to inquire about the application progress or confirm the accuracy of the contact information.

Supplementary information:

In the case of handling overdue industrial and commercial credit, it is recommended that you actively communicate with relevant institutions to learn more details and track your application progress. In addition, you can also call the customer service hotline of relevant institutions to provide personal information and inquire about the application.

I hope the above answers can help you. If you have any other questions, please feel free to ask me.