About ICBC card!

Hello, the question has been received, and the reply is as follows:

1. The balance change SMS service you ordered is called ICBC Messenger, which generally charges 2 yuan/month usage fee. If the balance of your payment account is not enough to continue to pay this fee, the system will automatically close this service, and will not continue to charge, resulting in arrears.

2. The above situation will not cause arrears, so it will not have a negative impact on personal credit. But I suggest that you cancel all unused cards, because all banks are now charging "small account management fees" for accounts whose average daily income is lower than that of 300 yuan (some banks are 500 yuan), and every quarter 3 yuan. This fee is different from the use fee of the above-mentioned ICBC messenger. Even if the account has no money, it will be automatically deducted, and it will still be paid when it is cancelled. Although there is no case where personal credit is affected because there is no small account management fee, I personally suggest that you cancel the unused bank card.

I hope my answer is helpful to you.