The bank card has opened the SMS service, but will it affect if there is no money in the card and it is not recharged?

Many people will open SMS notification service in order to grasp the capital flow of their bank cards in time. But in case this card is useless one day and has not been cancelled, will it affect it? The answer is that there will be some impact, but it will not involve credit reporting, and it depends on whether the business of your bank card is charged.

At present, most banks' SMS services are fee-based services, with basic single digits a month. Then when there is no balance in the card, there are generally two possibilities afterwards. The most common thing is that banks stop this service unilaterally. You know, especially debit cards and savings cards. Unlike credit cards, these cards don't support credit. That is to say, when the bank collects the information fee of the business every month, once the book balance is insufficient to support the business, the business will be automatically suspended and cannot be used any more. Of course, the bank won't call you because they operate directly in the background. If you need SMS service in the future, you must reopen it.

In the second case, it is what we commonly call suspense account processing, and some banks follow this processing method. This kind of bank will not suspend business because of your insufficient balance. They will count what you lack as an advance payment, which will accumulate over time. Then for the customer, the next time he deposits money into this card, the bank will cancel the previous debt at one time and automatically resume business. Then, if the customer does not use the card for a long time, and the length exceeds 3 years, the card may also enter the dormant state, and the outstanding account will be liquidated when the customer makes the next operation.

To sum up, generally speaking, Cary has no money. The cancellation of SMS service still affects me, depending on the bank. Of course, not all bank SMS services are free now, and many cards have neither annual fee nor service fee. If the bank card in hand belongs to this type, the card owner can rest assured.