What should I do if I receive a text message with my own name saying that I will repay?

Legal analysis: 1. Generally speaking, for overdue credit card holders, banks will have a grace period of 1 to 2 months. During this period, the bank will call the customer and send a text message to remind him of the repayment, and the third month will be officially overdue; 2. It's usually done by swindlers. You can check the operation record of the bank card. If the money really arrives in the card, you can ask the bank to help you check the source of the money, explain the situation and call the police. 3. If you receive spam messages, you can send one to the operator for free.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.