The thing is, I received a short message yesterday, which said: Your peony card of ICBC will be charged the annual fee next month. . . . Then, I thought,

Your message is not clear, peony card. . ICBC's bank cards are all called peony cards. The key is whether you are a peony debit card (savings card) or a peony credit card (credit card).

If the text message says that the annual fee will be deducted by XXX yuan, and the annual fee will be exempted by swiping the card x times, it is a credit card. I suggest you directly call the credit card department at 95588 to cancel your account. If you only say that you want to deduct the annual fee, your Kaka number is 19, and you can bring your own proof to cancel your account locally. If you didn't cancel your account when you took the flight, it won't affect you at present. But if it is a credit card, that is, the card number is 16 digits, cancel it as soon as possible, otherwise your personal credit will be affected.

The answer to your question is as follows:

1, take the opportunity to get a card, which is generally fine. If you are worried, go to the local card opening outlet to cancel. If you have a credit card, cancel it as soon as possible. If you have a personal credit default record, it will be difficult for you to borrow money from commercial banks in the future.

This is your school's problem, but most schools will cooperate with banks in this way to facilitate your tuition and banking business.

3. Again, if it is a debit card, it doesn't matter. If it is a credit card, cancel it as soon as possible.

PS, most importantly, what is the number of the text message you received? The above answers are based on the number sent to you is 95588. If the number sent to you is a mobile phone number or a fixed number, it is a scam message. Just delete it, and it doesn't matter.