Legal analysis: the court will have a subpoena; The court won't inform you by text message, just call to check. It is suggested to repay as soon as possible, which will produce bad credit records and affect personal credit and future credit business, such as loans, car loans, mortgages and other businesses. Overdue repayment will generate interest and late fees, and excessive arrears will generate high interest and late fees. Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.

Legal basis: Article 84 of People's Republic of China (PRC) Civil Procedure Law * * * The service of litigation documents must have a receipt, and the addressee shall record the date of receipt on the receipt and sign or seal it. The date of receipt by the addressee on the service receipt shall be the date of service.