本人智商已欠费

[bĕn rén zhì shāng yĭ qiàn fèi]

Literally means 'my IQ is overdue', which translates to a humorous admission or jest about oneself not being the smartest cookie, implying they may lack wit or understanding in certain situations

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你的智商是欠费的吗 [nĭ de zhì shāng shì qiàn fèi de ma]
Is your IQ overdue ? Its a sarcastic way of asking someone if theyve forgotten to pay for their intelligence ...
智商已欠费 [zhì shāng yĭ qiàn fèi]
It literally means IQ is already out of credit which humorously implies being very foolish or clueless ...