Will it affect credit if you don't use the bank card after you owe the SMS fee?

Don't worry about the SMS fee owed by the bank card, it won't affect your reputation. If the user deposits money into the card, the accumulated expenses 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.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".

2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank.

Precautions for freezing bank cards:

1. No matter whether it is temporary freezing or permanent freezing, bank card users must go to the business hall of the bank where the account is opened, and other bank outlets generally do not handle it.

2. Users need to carry ID cards and frozen bank cards to handle this business. If the bank card is lost and reissued, the user only needs to bring his ID card.

3. To handle the bank card freezing business, you must go in person, and others are not allowed to do it on your behalf.

4. For users with unknown freezing reasons, you can ask the bank about the specific freezing reasons and whether to support unfreezing in advance. If so, they can do it according to the requirements of the bank staff. If not, the bank card can only be invalidated.