Why do you receive overdue text messages without a credit card?

1. Credit card late fee The so-called credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount. Generally, according to the number of days exceeding the prescribed time limit, a certain proportion of the amount payable is levied every day. According to the theory of administrative law, late payment is an execution penalty in administrative enforcement. 2. Users who generate overdue interest generally have an interest-free repayment period ranging from more than 20 days to more than 50 days after overdrawing their credit cards. As long as the cardholder fails to pay off all overdraft fees within the prescribed time limit, the cardholder will no longer enjoy the interest-free treatment of the bank for all expenses last month. At present, in the charge of overdue repayment of credit cards, banks generally adopt the calculation method of cyclic interest. Cyclic interest is based on each amount on the bill (including consumption principal, cash principal borrowed in advance and paid interest), and the account bookkeeping date is the interest-bearing start date until the account payment date. And the daily interest rate of circulation is as high as five ten thousandths, that is, the annual interest rate reaches 18%! It's terrible ~ 3. If the user overdraws for 2 months and fails to repay, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. 4. Bad credit record Credit card users will be recorded in bad credit records if they repay their loans in time, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. Bad records will affect cardholders' schooling, job selection and loans. 5. Criminal liability for malicious overdraft A malicious overdraft of a credit card, which is not returned after collection by the bank, will constitute the crime of credit card fraud. The crime of credit card fraud (also known as the crime of credit card fraud) refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession, in violation of credit card management regulations.

Legal objectivity:

Article 196 of the Criminal Law Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identity documents; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.