What if my friend's credit card is overdrawn and the bank sends a text message to curse me?

If I am not a credit card holder, I can call the customer service phone of the issuing bank and ask to stop sending such short messages.

If my credit card is overdue, it will definitely affect my credit history. If the issuing bank carries out collection, there are many ways of collection. Cardholders can only see whether to repay by themselves or negotiate with friends to repay as soon as possible.