Why didn't you send me a message by swiping your credit card?

Why is there no SMS prompt every time I swipe my credit card (Bank of Communications)?

Usually, if you don't receive a transaction SMS reminder, there may be the following reasons:

(1) The SMS reminder service of Bank of Communications has not been opened;

(2) The mobile phone number reserved in Bank of Communications is incorrect;

(3) Communication failure of the mobile phone number operator.

Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Credit card is a card with name, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Another way of saying credit card is credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to the credit and financial situation of users. Cardholders do not need to pay cash when using credit cards, and will make repayment on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account. 20 12 February, the bank confirmed that credit cards are safer without passwords. If it is stolen, it should bear the same responsibility as the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for withdrawal. 0.05% interest will be charged daily from the date of withdrawal, and the bank will also charge a certain percentage of withdrawal fees.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements for them are not high.

(2) gold card. Gold card is a senior credit card that pays a high membership fee and enjoys special treatment. The issuer is a person with high credit, strong repayment ability, good credit or a certain social status. The starting point of gold card authorization amount is high, the additional service items and scope are much wider, and the requirements for related service fees and deposits are relatively high.

Credit card swiping without SMS prompt?

The reasons why you can't receive SMS when you spend money may be: the transaction amount is lower than the amount set by the branch or your own sending starting point; The service of SMS notification is in arrears, so you need to pay the arrears.

Or credit card agreed repayment or loan repayment. It is sent in batches, and the sending may be delayed; Error in registering mobile phone number when opening; The operator has a network failure, the mobile phone number has been blocked, or it was out of service at that time.

When the short message reception is abnormal in the short message service, the following methods can be used to deal with it:

(1) Please clear the SMS inbox, delete the intercepted software, turn it off 10 minutes and then restart;

(2) If you still can't receive it after the operation, you can put the mobile phone card in other mobile phones to rule out whether it is abnormal;

(3) If a bank account or online banking has been opened at the counter, you can re-sign the contract through the bank account "All-Assistant-SMS Notification-Maintenance/Cancellation" or online banking "Certificate Login-Security-Message Service";

(4) If it is unsuccessful or not opened, the householder can cancel and reopen it at any branch of China Agricultural Bank with his valid ID card and registered account (debit card or quasi-credit card), and the current settlement passbook can be handled at any branch of the first-tier branch where the bank is located.

There is a difference between a credit card and a debit card. The differences between these two cards are as follows:

1. Credit card is a consumer credit product, which is paid after consumption, and debit card is used after deposit;

2. Credit cards can be overdrawn, but debit cards cannot be overdrawn;

3. Credit cards have revolving credit lines, but debit cards don't (revolving credit refers to the credit line approved by the bank for the cardholder, and the debts used by the cardholder within the credit line need not be fully repaid, so a good credit record can be maintained only by stipulating the minimum repayment amount, and the credit line of the cardholder can be reused);

4. If the credit card holder needs to repay in full before the final repayment date, the shopping consumption can enjoy an interest-free repayment period;

5. Credit card deposits do not bear interest, and debit card deposits bear interest at the savings rate;

6. Credit card belongs to asset business and debit card belongs to liability business;

7. The issuance of credit cards needs to meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need to have an ID card;

8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.

Why did you swipe your credit card without SMS reminder?

I swiped my credit card and didn't get a SMS reminder. There may be the following reasons:

1, the credit card limit is too small, so the bank didn't tell you;

2. The relevant SMS reminder service has not been opened;

3. SMS interception is set on the mobile phone, so it cannot be received;

4. Remind the system that there is something wrong and ignore the credit card information directly.

This is the end of the introduction of how to swipe your card without SMS and how to swipe your card without SMS notification. I wonder if you have found the information you need?