The text message at the beginning of 400 said that my credit card was overdue. What should I do?

Just pay back the arrears and interest. According to the relevant information of the credit card, the short message starting with 400 and the overdue credit card can return the arrears and interest. The overdue credit card will not only pay interest, but also affect the credit record, which will have a negative impact on the future use of the card or loan. So be sure to remember the repayment date and make timely repayment.