Do you have a reminder of the annual credit card fee? How to cancel?

Will the Bank of Communications send text messages when the annual credit card fee is overdue?

If you don't open the balance change reminder service, the bank won't send you a text message. There will be a bill when the annual fee is deducted.

Is there a charge for credit card SMS reminders?

Whether credit card SMS reminders are charged depends on different banks.

First of all, we should distinguish different banks. Some banks charge SMS fees, while others don't. In fact, banks charge for short messages. The reason for not charging is that the annual credit card fee includes SMS fee, which has been deducted from the annual fee.

Different banks charge different fees. For credit card SMS service of CITIC Bank, there is no charge for SMS reminders above 200 yuan, and "0 starting point" SMS notification is required for SMS reminders below 200, which requires two charging standards: 36 yuan/year and 48 yuan/year. Most banks basically charge according to the SMS charging standard, which is 3 yuan a month.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Another way of saying credit card is that credit card 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 users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with 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 cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.

Does Minsheng Elite Platinum Credit Card have a SMS reminder to deduct the annual fee?

People's livelihood elite platinum credit card deducted annual fee without SMS reminder.

Minsheng Bank Platinum Credit Card is not activated, and there is no annual fee.

Under normal circumstances, the annual fee will not be generated if the credit card is not activated. However, there are exceptions. Personal bank special credit card products are not activated, and there is an annual fee. In this case, it is likely that the credit card will be overdue due to carelessness, resulting in a bad credit record.

Even if there is no annual fee for credit cards, handling multiple credit cards will be recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the success rate of credit card loan approval will be reduced.

Do you have a reminder of the annual credit card fee? Let's stop here.