1069 sent a text message saying that the credit card was overdue and enforced.

Legal analysis: after the cardholder owes money, the bank will generally remind him by SMS, call for collection and send a lawyer's letter. After all the above methods fail, the dunning company will be entrusted to intervene. Therefore, dunning companies often face debtors who have lost contact, or cardholders who "don't pay back the money anyway".

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC), the prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.