Is it a robot or a human who sends you a message after the credit card expires?

Both manual and robot can be used. If you entrust this fund to a third party to help dunning, you usually send text messages manually. Supplementary knowledge: the pre-overdue credit card is the responsibility of the collection company subcontracted by the bank, and finally the bank comes forward. I suggest communicating with the bank to discuss repayment. Even if the interest rate is higher, the money will drag on.