Also, how should I send a text message to reply to overdue loans?

Legal analysis: If the overdue time is short, you can choose to communicate with the bank. If it is overdue, it is generally a personal negligence, forgetting the last repayment date, or not going to the personal mailbox to see the bill.

Legal basis: Article 15 of the Regulations of People's Republic of China (PRC) on Loan Contracts. If the borrower fails to use the loan according to the purpose stipulated in the contract, the borrower has the right to recover part or all of the loan, and charge a penalty interest at the interest rate stipulated by the bank. If the borrower fails to repay the loan on time, the lender has the right to recover the loan within a time limit and collect the penalty interest according to the regulations of the bank. If the borrower fails to repay the loan, it shall pay liquidated damages or penalty interest to the lender. Payment of liquidated damages refers to the payment of a certain amount of money to the other party according to the provisions of laws and regulations or the loan contract when one party fails to perform or fails to fully perform its obligations stipulated in the loan contract.