There is no money in the savings card of CCB, but the short message function leads to its arrears. What is the credit impact of ignoring it?

CCB debit cards and debit cards don't have overdraft and credit functions like credit cards, so if your card runs out of money, the system won't reverse it. Even if you owe money, you will automatically close your account after three years, and your reputation will not be affected.

CCB SMS charges:

The monthly fee and annual fee for SMS subcontracting of CCB are 2 yuan and 200 1 respectively. You don't have to pay back the overdue SMS, but if you want to open a CCB card (bank card 10 yuan) to sign SMS in the future, you need to pay back the overdue SMS fee first, but the reputation has nothing to do with it.

Behavior that affects personal credit reputation:

1, default on water, telephone and other related expenses, these small things will affect your personal credit, so pay attention to the small details in life.

2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system. ?

3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list. ?

4. The borrower's credit card is overdue. This is the most common situation in rasterization. If the cardholder forgets to repay the loan or has been in arrears, 1 year will be recorded if the number of repayments exceeds six times.