Will receiving text messages affect credit reporting?

According to the China Bank Card Industry Self-discipline Convention, the credit card of China Merchants Bank has a 3-day grace period by default. If your payment arrives within 3 days after the final repayment date, it will not be overdue, and there will be no liquidated damages (previously late fees) and interest. I suggest you pay back on time in the future to avoid overdue. For example, the final repayment date is the 5th of each month, and the repayment will be made before 24: 00 pm on the 8th of that month, which will not affect personal credit, and the service does not need voluntary application.