Legal analysis: Users need to take the initiative to contact the bank after receiving malicious short messages from the bank to avoid arrears. Then the user will inform the bank of the reasons for his overdue, and negotiate the repayment amount and repayment time with the bank. After the negotiation is completed, the bank will not send such short messages again, and users can repay according to the content of the negotiation.

Of course, if the user does not apply for any arrears from the bank, he must check with the bank in time when receiving such information to avoid the overdue loan really affecting the user's personal credit.

Legal basis: Article 535 of the Civil Code of People's Republic of China (PRC). Where the debtor is slow to exercise his creditor's rights or subordinate rights related to the creditor's rights, which affects the realization of the creditor's due creditor's rights, the creditor may request the people's court to subrogate the debtor's creditor's rights to the counterpart in its own name, except that the rights belong exclusively to the debtor. The scope of subrogation is limited to the creditor's due creditor's rights. The necessary expenses for the creditor to exercise subrogation shall be borne by the debtor.

The counterpart may claim the debtor's defense from the creditor.