Why did you receive a text message to repay your credit card?

This is just a reminder from the bank.

Now many people will be overdue on the repayment date, but some cardholders just forget the repayment time and do not intend to be overdue. So now in order to avoid this situation, the bank will kindly remind you. If your credit card has been paid, you can ignore this reminder. However, even if you are sure that your credit card has been paid, accidents may occur, so when you receive such information, you'd better check it. Because as long as the cardholder has overdue behavior, the bank will report the overdue records to the credit information system, which will have a great impact on future loans. For example, when granting mortgage loans and car loans, banks are likely to refuse loans because credit cards have expired records.

Extended data:

I. Overdue repayment of credit cards has the following consequences:

It will generate overdue interest, increase the repayment amount, pollute the credit information system and face prosecution. If you can get the understanding of the bank, you can consider asking the bank to cancel its bad credit record. If it cannot be revoked, the bad record will be kept for 5 years, which will affect the borrower's financing possibility in the future.

Legal basis: Article 119 of the Civil Procedure Law requires the following conditions: (1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It belongs to the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

2. How long will the overdue credit card be prosecuted?

1. If the cardholder's credit card is overdue for more than one week, the bank will reduce the credit card collection limit.

2. If the cardholder is overdue for less than one month, the bank will notify the borrower by phone or SMS to inform him to repay in time. Otherwise, the credit will be withdrawn and users will face high penalty interest. During this period, the bank will not take other measures to require users to repay.

3. If the cardholder is overdue for more than one month or even longer, the bank will outsource the collection task to a third-party collection company. Third-party collection companies are not limited to telephone or SMS collection. The third party collection company will contact the borrower's family or friends, which will have an impact on the borrower's life.

If the cardholder is overdue for more than three months, the bank will use legal weapons. The bank will take the cardholder to court for the crime of credit card fraud, and the cardholder will face the prosecution of the bank.