Will the arrears of bank card SMS service fee affect the normal use?

Don't worry about the short message fee owed by the bank card, which will not affect the normal use and reputation of the bank card. If the user deposits money into the card, the accumulated fees will be deducted together. If the user is in arrears for a long time and there is no capital flow in the account for three years, the banking system will automatically close the account. Opening SMS notification may require me to go to the counter because I need to register my ID card.

1. Bank cards are divided into credit cards and debit cards according to whether the cardholder is granted a credit line. The former can realize consumption first and then payment. In addition, bank cards can be divided into physical cards and virtual cards according to different operators. According to different information carriers, it can be divided into magnetic stripe card and chip card. According to whether the issuer is in China, it is divided into domestic cards and overseas cards; According to the different issuing banks, it can be divided into personal cards and unit cards; According to the different currencies of accounts, they can be divided into RMB cards, foreign currency cards, dual-currency cards or multi-currency cards. For a long time, bank cards, especially UnionPay cards with China characteristics, have been an important business of the People's Bank of China and the China Banking Regulatory Commission, an important link between commercial banks and customers, and a necessary medium for financial communication and wealth management between banks and customers. Great progress has been made: more standardized use, wider coverage and more obvious advantages.

Secondly, bank cards are easy to operate, carry and use, which is the primary reason why bank cards can quickly replace bankbooks, checks and other financial payment media and develop rapidly in China as a powerful substitute for cash. In contrast, bankbooks are not easy to keep, checks are easy to break, and large amounts of cash are not easy to carry, while bank cards or UnionPay cards are small in size, light in weight, not moldy, not afraid of water, not easy to be damaged, and not easy to be damaged. Together with the vast number of commercial bank outlets, ATMs, POS machines, payment codes of merchants, mobile phone apps, etc., a rich "ecosystem" of bank cards is formed.

Third, bank cards have certain security measures, which are constantly upgraded with the changes in the payment environment and have been widely recognized by consumers. On the one hand, compared with the direct readability of bankbooks, checks and cash information, the information of bank cards can only be read by means of special channels and passwords; On the other hand, with the high incidence of fraud crimes such as forging cards and copying cards, since 20 15, China's commercial banks have stopped issuing magnetic stripe cards one after another in accordance with the unified requirements of the People's Bank of China, and only issued chip cards to improve their anti-counterfeiting and anti-fraud capabilities. Moreover, from May 20 17 1 day, banks should completely close the magnetic stripe transaction of chip magnetic stripe composite cards.

Fourth, the coverage of bank cards is getting wider and wider, showing three main trends: first, from urban to rural, from urban scenes to rural scenes, serving the dual structure of urban and rural areas; Second, from east to west, coordinate the balanced development of the east and west, and promote the coordination between the east and west; Third, from domestic to international, set up overseas branches of Chinese-funded commercial banks in most countries, expand the UnionPay network, and urge Chinese-funded enterprises to go abroad, internationalize the RMB and study abroad. Nowadays, whether it is Galeries Lafayette, New York Chinatown or London Heathrow Airport, the logo of China Bank Card or UnionPay can be seen everywhere.

5. Bank cards provide various kinds of rich rights and interests, which run through the whole life cycle of cardholders. Debit cards and credit cards issued by ordinary state-owned commercial banks can be used for points. Points can be exchanged for goods at the end of the year, and you can also participate in the activities of the bank mall. They can also be accumulated across institutions by handling joint credit cards with other enterprises. Debit cards and credit cards of some joint-stock commercial banks can provide preferential products for specific merchants on a regular basis, which is famous for providing value-added services such as catering, business travel and respect for the elderly on a regular basis.

6. The issuance of bank cards and their products and services are strictly supervised and managed by the People's Bank of China and the China Banking Regulatory Commission, which has promoted the bank card market to be more open, fair, just, transparent and standardized. In terms of debit cards, the People's Bank of China has been constantly strengthening the protection of cardholders' rights and interests as consumers through various means, and constantly urging commercial banks to reduce or even cancel the fees for services such as card exchange and cash withdrawal in different places; In terms of credit cards, the CBRC promotes the standardized development of the credit card market with policies.