CCB did not receive the SMS when the loan was due.

If the repayment is overdue, the bank will send you a short message in time. If you don't receive the notice, the bank will not take any action for the time being, but the bank will deduct your handling fee, late payment fee and interest from the day you withdraw the money. If it is more than 2 months, the bank will call you in time to deposit the arrears into the card, and then you will receive a blacklist notice from the bank. If you don't repay by then, you will be blacklisted by the system. Once blacklisted, it will be a great loss to your personal credit, and your future credit card or loan will be affected!

1. Whether the installment of CCB can be approved depends on your personal situation, but it is impossible to predict in advance. The specific approval time is subject to the bank and will be different according to individual circumstances. The approval time is 7 working days. If the credit card and installment pass are approved, the bank will give your credit card a special installment amount. After reaching the amount, you can go to the CCB outlet to complete the installment transaction, transfer the money to the special consumption card, and then swipe the card at the designated merchant for consumption.

It should be noted that this special limit is beyond the limit of your credit card itself and cannot be recovered. Installment pass is a credit line approved by the bank to customers by installments, which can be used to buy large durable consumer goods, weddings, parenting, settling down, paying taxes, health and so on. Staging application process:

1) Submit the application and identification to the outlet first.

2) After approval, the bank will release the quota to the applicant's special debit card for installment account opening in CCB.

3) Use this debit card to spend at the designated merchant.

4) Return the principal and handling fee on a monthly basis. The monthly handling fee is 0.5% of the total installment.

3. The approval time of installment credit card application is different, so the approval time is also different. It is recommended to consult the local handling outlets in detail. Credit card approval time is applied through CCB outlets, and the submitted materials are complete. Under normal circumstances, CCB will send the card to the billing address filled in your application form within 20 working days from the date of receiving the submitted materials, provided that the application conditions of CCB are met. If you need to provide supplementary certification materials, the card processing time may be extended accordingly. To apply for a credit card through self-service channels such as mobile banking, WeChat and website, it takes about 5 working days for existing card customers to apply for and mail the card. If a new customer passes the examination and approval (the general examination and approval time is 10 days), he will receive a face-to-face SMS. He/she only needs to print the application interview with SMS and ID card at CCB outlets in the city where the billing address is located within 30 natural days. In case of special circumstances, the review time can be extended (such as applying for industrial application products, etc.). ), so I suggest you wait patiently.