Credit card negotiation repayment principal is true. What if there is no text message?

There is no text message, which means that the negotiation has not passed.

I suggest you take the initiative to contact the bank to negotiate repayment: if the credit card is not repaid, the bank will not take the initiative to negotiate with the user, but will only remind the user of repayment by SMS or telephone, so the user should actively negotiate;

2. Sincere attitude: when negotiating repayment, be sincere, explain your personal financial situation to the bank, and say that you can't repay in full and on time, but you have work income, and you will try your best to raise money for repayment to see if you can negotiate a repayment plan acceptable to both parties;

3. Keep relevant evidence at any time: Whether negotiating with the bank for repayment or being violently collected, you should keep relevant evidence and then feed it back to the bank, so that the success rate of negotiation will be higher, but the premise is that users should always maintain a civilized and friendly attitude.