Will the short message fee owed by the bank card affect personal credit information?

The short message fee owed by the bank card will not affect personal credit information.

1. SMS notification function of bank card is an additional service provided by banks. Generally, the service will be automatically cancelled after two months of arrears, and the arrears will be automatically filled when there is enough money in the card. If it is a card of China Merchants Bank, the SMS notification service will not be cancelled automatically, and the expenses will be incurred normally.

2. If the deduction of "SMS notification service fee" fails due to insufficient current balance, the personal credit record will not be affected temporarily. However, if there is arrears, the system will make up the deduction when the account has funds, so if the card is not used, the additional function of SMS notification should be cancelled in time.

The short message fee owed by the bank card will not affect your credit, but if you don't use the bank card for a long time, you'd better cancel it, otherwise the short message fee of your bank card will be deducted every month. If you don't pay back the money, this debt will always exist and will increase.

4. At present, the communication industry, water and electricity are not included in the "People's Bank" credit review project for the time being. Therefore, the arrears of mobile phone cards have no effect on personal credit information.

5. Personal credit information only includes credit cards and loans. The savings card has outstanding annual fee, account management fee and SMS notification fee, which will not affect the credit collection, nor will it affect the handling of credit cards and loans. However, it is recommended to bind the bank card with the same mobile phone number for handling various banking services.

6. Because the mobile phone number changes frequently, although there is no record of the change of the mobile phone number in the credit report, the bank will find that the mobile phone number changes frequently in the process of approving the loan, and the bank will worry about changing the mobile phone number again after issuing the loan, and finally deliberately not repaying the loan. In order to control risks, banks will refuse to issue loans.

At present, the personal bad records of the three major operators have not been included in the personal credit management department. However, if the user maliciously defaults on the operator's phone bill, or seriously breaches the contract, it will be included in the operator's own list of untrustworthy users. After being included, it will affect users' repeated use of operators' communication and business handling.