Debt reminder SMS goes through legal procedures.

Legal analysis: peer-to-peer lending belongs to private lending, which is a civil dispute and does not involve criminal law. If the credit card limit exceeds 50 thousand, the bank has not collected it for more than 3 months, which is related to the criminal law.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.