What should I do if I don't receive the overdue SMS reply?

It may be fraudulent information, so ignore it. If there is a bank loan outstanding, the bank will call and will not send a text message to collect it.

Overdue is a Chinese word, which generally refers to failure to perform corresponding obligations or responsibilities beyond the agreed time, such as failure to repay within the agreed repayment period after borrowing, failure to pay taxes and fees in full before the prescribed time limit, etc.