Why did ICBC send SMS notification on the fourth overdue day?

Perhaps ICBC forgot to repay the loan in order to add dishonest credit certificates to most people in China. It's a pity that the bank didn't remind them until the day when you were overdue, but your overdue records have been listed in the credit report, so the fact that many China people are dishonest in the credit information system is famous at home and abroad. Banks don't seem to care who they lose face, most of them are the responsibility of banks.