My mobile phone received a text message from Bank of Communications today, saying that the credit card was overdue. Please add according to specific questions.

PBOC is the People's Bank of China and the head office of the bank. Except the People's Bank of China, which can judge whether you have a bad credit record, other banks have no right to judge, and all need to truthfully hand over the information to PBOC. You need to pay it back quickly, otherwise your credit history will not be affected, and you can't buy a house with a mortgage loan in the future. You can ask me if you don't understand anything else.