Will the bank remind me if it is overdue?

Will a message be sent to remind you if your credit card is overdue?

There will usually be a reminder for overdue credit cards.

In fact, before a credit card is about to expire, banks usually send text messages to remind you to repay as soon as possible to avoid missing the repayment deadline and causing overdue payment.

After the credit card is overdue, if the balance has not been paid off, the bank may also send text messages or call to remind you to pay off the balance, so as to avoid being overdue for too long and causing serious adverse consequences.

When you receive a repayment reminder from the bank, you must repay as soon as possible. However, if you can't repay it for a while, you can also take the initiative to contact the bank to negotiate to see if you can extend the period and repay it in installments.

If the bank approves it, you can discuss a new repayment plan with the bank and repay the money on time according to the new repayment period; if the bank refuses, you can only find another way, you can try Borrow money from relatives and friends around you to repay the credit card. After the credit card is paid off and you have sufficient funds in your hand, you can then repay the money to relatives and friends.

In fact, if you find that you cannot repay on time before the due payment date, you can choose to pay the minimum repayment amount first and then slowly repay it; or you can directly apply for bill installment.

But don’t take it lightly if online loans are overdue. In addition to being collected, your personal credit will also be affected, especially for online loans with credit bureaus. Once there is such an overdue record, it will seriously affect the future. Handle bank loans and credit card services. Even if the online loan processed cannot be listed on the credit report, it can still access big data. Search: Xiaoqixincha, you can check your online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information.

Extended information:

Will you be reminded if there is an overdue record in the credit report?

If there is an overdue record in the credit report, the overdue person will not be reminded. If there is an overdue record, , the People's Bank of China Credit Information Bureau will not send information to remind the user himself. In other words, after a user borrows money or uses a credit card, even if the overdue record is reported to the People's Bank of China by the borrowing institution, he will not be reminded. Users can make inquiries on their own through the official website of the People's Bank of China Credit Information Center, and each person has two free inquiry opportunities per year. If a credit card is overdue, will the bank notify you via text message? Will you specify which bank?

Generally, the bank that issued the card will notify you via text message if your credit card is overdue.

SMS mainly serves as a reminder, and not all banks have this service. This situation generally refers to the early overdue repayment behavior of cardholders, which is usually 7 to 15 days overdue.

After discovering that your credit card is overdue, you must take the initiative to repay the debt in a timely manner and do not rely on text message reminders from the bank. Friends who are usually careless can also use some third-party platforms to remind them. Generally, Alipay, WeChat, etc. can set up credit card repayment reminders, or it is also possible to directly bind a savings card for automatic repayment, but you must ensure that the The amount is sufficient for repayment.

Extended information

Banks only send notification text messages after the final repayment date. Many banks still have a grace period of 1-3 days after the repayment date expires. deadline. During the grace period, if the customer receives an overdue notification text message and pays off the debt immediately, then the overdue record will not be reported to the credit reporting system, which means there is still room for rescue.

Of course, the specific circumstances stipulated by each bank are different. For some banks, if a customer receives a text message notifying them of bad information, it means that the bad information has been reported to the credit reporting system or is about to be reported. Submission, there is no room for recovery, just to inform the customer.

Baidu Encyclopedia - Are credit card banks obligated to send messages or call reminders for overdue repayments?

Bank of China Credit Card provides bill SMS, bill reminder SMS and overdue SMS. It is recommended that you pay attention to your bill and repay in time.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.