If the bank credit is overdue, the lawyer will send you a message on his personal mobile phone for several days, telling you to file a lawsuit against you.

The bank will sue, but it won't send you a text message with a private number.

If you receive a legal document, it should be a paper version, and someone will send it to your home instead of sending it to you by SMS. If it is really overdue, you are in the local area and the bank is also in the local area. The bank can sue you directly in the local court, and the indictment will be delivered directly to your home.

Generally, the received SMS files are made by third-party collection agencies. It's not credible, but you still have to pay back the money. After all, at least the principal should be given to others.

The bank has the right to sue you if you don't repay within two months after three reminders and the amount exceeds 5000 yuan. The bank will ask you for money, not your relatives. If the circumstances are serious, the overdue personal credit record will also have a certain impact on your family. For example, if your wife (husband) applies for a mortgage in the future, although he (she) has no overdue record, but you have a serious overdue record, the bank will also take these factors into account, thus affecting his (her) loan amount or interest rate. With the development of technology, the personal credit information system will be more and more perfect in the future! Therefore, if you have credit card arrears, you must pay attention to timely repayment to avoid trouble in your later life.