Now that mobile phone numbers are authenticated by real-name authentication, why do banks still send reminder text messages blindly?

There is a problem with the credit report. As of July 10, 2022, when banks send reminder text messages, they must check the credit report and big data to find out whether there is overdue credit under the real-name authentication user's name. If there is a problem with the credit report, a reminder will be sent through the mobile phone number. Text messages are not sent randomly. You need to find a way to pay them back quickly. After you pay them off, they will not appear again.