Before 25th, I received a text message saying that the credit card was in arrears and the police and judicial department came to investigate. Is it true?

It's true. If the credit card is overdue, you still have to find a way to repay it. You can try to negotiate with the bank to repay the loan in installments and see if the bank agrees or not. The bank will provide you with a plan. A long overdue period will affect personal credit, and the bank will truthfully feedback the cardholder's card use according to the requirements of the People's Bank of China. If it is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and at the same time, it will be notified by SMS. Don't lose big because of small.