20 yuan overdue credit, did not receive SMS reminder.

If there is a credit overdue record, the overdue person will not be reminded. If there is overdue, the People's Bank of China will not send a message to remind the user himself. That is to say, after a user borrows money or uses a credit card, even if the overdue record is reported to PBOC by the borrowing institution, it will not be reminded. Users can make their own inquiries through official website, Credit Information Center of China People's Bank, and each person can make inquiries twice a year for free.