Do I need to be prepared to reply after receiving the SMS notification overdue, and there will be an unsubscribe reply T later?

Yes, I'm sorry. You need to be prepared to respond to the lawsuit after receiving the SMS notification within the time limit. The following are relevant instructions:

1. Background: Lending Bao is a consumer credit product under Ant Financial Services, and overdue refers to the failure to repay the loan on time or fully pay off the debt.

2. SMS notification: When the loan is overdue, the borrower may receive SMS notification to remind him of the overdue situation and the corresponding consequences.

3. Preparation for responding to the lawsuit: After receiving the SMS notification, the borrower shall make the following preparations:

-Check the loan contract: read the loan contract and related clauses carefully to understand your rights and obligations.

-Repayment confirmation: verify whether there is any overdue problem. If there is any mistake, please contact customer service in time.

-Understand the legal provisions: According to the relevant laws and regulations of China, understand the legal consequences and related procedures of overdue repayment.

-Collect evidence: collate relevant repayment records, dialogue screenshots and other evidence to prepare for possible disputes.

4. Unsubscribe reply: Unsubscribe reply T may not really exist, because the overdue notification SMS is mainly to remind the borrower of the overdue situation and does not involve unsubscribe operation.

Summary: If loans overdue receives the SMS notification later, he should prepare for responding to the lawsuit in time, understand relevant laws and contract terms, verify repayment records and collect evidence. Unsubscribe reply t is irrelevant information. Please note that the specific response still needs to be judged and handled according to personal circumstances and legal provisions.