Legal analysis: The so-called reminder is only the proof that the lender urges to perform the contractual obligations, and has no other legal effect. The borrower and his near relatives can confirm the existence of the reminder by signing the reminder. It is very important to fully perform the contract and establish credit. If it is really difficult, we should negotiate with the lender for an extension as soon as possible.

Legal basis: Article 528 of the Civil Code of People's Republic of China (PRC). If a party suspends performance in accordance with the provisions of the preceding article, it shall promptly notify the other party. If the other party provides an appropriate guarantee, it shall resume performance. After the suspension of performance, if the other party fails to restore its performance ability within a reasonable period of time and fails to provide appropriate guarantee, it shall be deemed that it has failed to perform its main debt by its own actions, and the party that suspends performance may terminate the contract and require the other party to bear the liability for breach of contract.