How to close SMS deduction for industrial and commercial bank cards

1. If the user brings his ID card and bank card to the ICBC outlet for cancellation, it needs to be handled during the working hours of the bank outlet.

2. Download of ICBC Financial E-link APP was cancelled. After the user downloads the APP and logs in, he sends a SMS reminder to the customer service and closes it according to the process.

3. SMS reminder, you need to deduct money once a month. When deducting money, you can ensure that there is no money in the account, the service is cancelled, and there is no charge in the future. If you set an annual fee when you apply for a card, the SMS service fee will be charged annually. As long as the money is deducted once a year, users can enjoy the service within one year and then close it after one year.

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Bank card binding service

Judging from the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change of the original contract. We should reach an agreement with consumers to minimize the adverse effects on consumers. The bank's card changing behavior will cause many inconveniences to consumers, such as time-consuming and laborious, and the original binding transaction needs to be readjusted due to the change of card number. In line with the principle of customer first, banks try to upgrade by changing cards instead of numbers.

It should be reminded that although many banks have launched the service of "changing the core without changing the number", it is only for some bank cards and customer groups. A number of banks reminded that the card number will be changed at the same time as the card is changed. What the public should pay attention to is that some businesses previously bound by bank cards need to be re-handled, such as water, electricity, gas, mortgage, car loan and other withholding businesses, as well as bound credit card accounts, Alipay accounts and securities accounts. All must be reprocessed at the first time.

Foreign capital participation

On April 22nd, 20 15, the Decision on Implementing Access Management of Bank Card Clearing Institutions came into effect on June 22nd, 20 15. Implementing access management and orderly regulation of bank card clearing market is an important measure to expand financial opening and deepen financial reform.

The decision requires that those who engage in bank card clearing business in China shall obtain a bank card clearing business license according to law and become a bank card clearing institution. It was decided to authorize the People's Bank of China to work with the China Banking Regulatory Commission to formulate detailed rules for the implementation of administrative licensing conditions and procedures, as well as relevant prudential supervision and management measures, and implement supervision and management according to the division of labor to prevent systematic risks in bank card clearing business.

The Decision puts forward clear access requirements for bank card clearing institutions in terms of registered capital, investors, bank card clearing standard system, infrastructure, directors and senior managers, and internal control system management, and divides the application procedure into two stages: preparation and opening. The applicant shall apply to the People's Bank of China, and the People's Bank of China shall make a decision of approval or disapproval after seeking the consent of the China Banking Regulatory Commission.

The Decision puts forward business management requirements from the aspects of bank card clearing brand, unrestricted competition, infrastructure operation and business processing, information confidentiality and information processing, so as to maintain the security, efficiency and stability of bank card clearing business.