Why do credit cards (debit cards) only send text messages when they are overdue?

Credit cards (debit cards) only send text messages when they are overdue, because the cardholder's overdue time is not long. Generally speaking, there are three stages of bank collection. The first stage is mainly SMS collection, and cardholders can receive SMS reminders every day. The second stage is mainly in the form of telephone, and the collection staff will call to remind the cardholder to run for repayment, or they may contact the cardholder's relatives and friends. In the third stage, the bank can choose to sue the cardholder directly, or continue to maintain the collection method of SMS+phone.