I didn't receive a text message on the evening of 28th, ICBC's personal loan repayment date.

Bank loans are automatically deducted when they are due, usually after the business is over. Generally, the time is between 19: 00 and 20: 00 pm. If your loan is due today and there is enough repayment in the agreed repayment account, you should deduct it after 19. If you deposit money in the wrong repayment account, you can't deduct it. Then you need to go to the bank counter to repay the money manually tomorrow.