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What's the date of repayment by SMS from online merchants?

It's true.

Because your online merchant loan has been overdue for three months, the online merchant bank will send a message to urge you to repay, and the arrears should be paid off as soon as possible, otherwise the overdue record will be uploaded to the basic database of financial credit information of the Credit Information Center of the People's Bank of China, which will adversely affect your credit information.