What does the short deduction of 30 from the bank card mean?

Bank card short deduction of 30 refers to the customer's personal account being deducted by the bank from the 30 yuan SMS notification fee. Usually, the deduction of SMS notification fee is charged according to one year. For example, the SMS notification fee of China Postal Savings Bank is charged to 30 yuan for one year. It should be noted that if there is a fee deduction error, users can apply for a refund.

1. Why do banks insist on charging information fees?

In fact, banks have no choice. Information fee belongs to the category of value-added services and is the source of income for banks. Although there are so many bank cards issued in China, in fact, many people's cards are idle, and even many people have no money in their cards. Lang Xianping, an economic expert, said that 560 million people in China have no bank deposits.

Idle bank cards will bring great management costs to banks. In addition, although banks seem to be rich, they actually lost a lot, and some banks closed down. Therefore, banks should also explore ways to make profits, and information fee is one of them.

In fact, the collection of bank card information fees is very loose now, and it is no longer mandatory as before. At present, many banks have taken the initiative to cancel the charges. Users can cancel the charges themselves, but they can't receive the information. Some people who work in banks suggest that it is best not to cancel this function of receiving information, and don't be afraid of wasting money.

Second, why not cancel the bank card information receiving function?

Although we can also check the balance in our bank card through various internet channels, it takes time and cannot be as immediate as sending information through a bank card.

This immediacy is very useful. For example, if our bank card is stolen, we can quickly know and take measures. Without the function of receiving information, we may have all our money stolen, and it will be a long time before we know.

Although the Supreme People's Court stipulated in May, 20021,if the bank card was stolen and the user was unaware and not responsible, he could claim compensation from the bank. But the actual operation is not difficult, it will consume a lot of time and energy, and it has been found for a long time, and it is also very troublesome to obtain evidence.

Therefore, if the function of SMS notification is cancelled, it may cause a situation of penny wise and pound foolish. Of course, if you feel that you don't have much money in your card, you don't need to know every transaction, even if it is stolen, it doesn't matter much, then you really don't need this function.

This short message notification function may not have much effect on young people, but it is very meaningful to the elderly. According to statistics, there are almost 200 million elderly people in China who don't know how to use smart phones or how to check the balance of bank cards. Besides going to the bank counter, they mainly rely on text messages. Although it costs a little money every month, the old man can buy a peace of mind when he sees the SMS notice and knows how much money he has left.