Bank card SMS deduction fee 30 yuan?

Bank card short deduction of 30 generally means that the cardholder has opened the annual service of bank SMS package, and the annual fee is 30 yuan. Short message service is a short message prompt sent by the bank to consumers when the funds in their bank accounts change.

After the user opens the SMS service of bank card, the user will be informed of the change of bank card quota in time. This function can inform the cardholder in time after the bank card is stolen and swiped, so as to avoid greater losses.

If you don't need bank SMS service, you can call bank customer service to cancel SMS service.

Apply for a bank card

The process of applying for a credit card and a debit card is different.

When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to apply to the card issuer, and you need to fill out an application form, in which the required information is true.

After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.

Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately.

According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound to mobile payment software.

Bank card loss reporting

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

The annual fee of bank card refers to the fixed fee charged by China's commercial banks for bank accounts every year. The annual bank card fee is charged once a year, and the bank withdraws it from the account.

From August 1 2007, the annual management fee for bank cards began to be cancelled, and some basic financial service charges of commercial banks were suspended.

Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.

Medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China CITIC Bank all have no annual fees. Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank will charge an annual fee of about 10 yuan.