How to cancel the SMS notification of China Construction Bank?

1. Edit "the last four digits of qxtz# account" and send it to 95533 to cancel the account balance change SMS service corresponding to your mobile phone number. 2. Log in to CCB official website, click "SMS Finance" from "Credit Card" on the homepage, and select "Cancel". 3. Call the account cancellation phone, call the customer hotline of CCB 95533, and complete the account cancellation according to the prompts.

After CCB, Bank of Communications, Guangfa, Xingye and other banks charge credit card SMS notification service fees, recently, CITIC Bank and Ping An Bank official website also announced that they will soon charge credit card SMS notification service fees, with the standard of 3 yuan per month. According to the statistics of 20 credit card SMS notifications from prime Bank, 60% banks charge for this service. Industry experts predict that because many banks issue more than10 million cards, banks are very willing to increase the profits of intermediary business by charging SMS notification service fees, so it can be expected that the era of free SMS reminder for credit cards will soon end.

At present, 12 banks have started to charge SMS notification service fees, but at present, there are 8 credit card SMS reminder services in prime Bank that are free.

The reporter dialed the "95533" customer service telephone number of China Construction Bank, and a waiter surnamed man answered the reporter's question, saying that China Construction Bank will provide SMS reminder service for those who spend 500 yuan or more on a single credit card, but for those who spend 500 yuan or less on a single credit card, 3 yuan's SMS notification service fee will be charged on the working day of the monthly bill. This business has been carried out for a long time. He added that in order to launch SMS notification service for single credit card consumption in 500 yuan, customers must apply for it themselves, and CCB will not take the initiative to launch this service for customers.

The reporter called ICBC's "95588" customer service phone, and a female customer service staff with the job number of "585432" answered the reporter's question, saying that ICBC has no policy of charging credit card SMS notification service fee at present, and ICBC will provide SMS reminder service for customers who have opened credit card SMS notification service for free. As for whether ICBC will open the policy of credit card SMS notification service fee in the future, she said it was "unclear".

Why do so many banks start to "follow suit" and charge credit card SMS notification service fees? According to expert analysis, there are roughly three reasons.

First, credit cards have ended the era of extensive management. At present, many banks issue more than10 million credit cards. In the period of extensive operation, banks are willing to give profits to customers and strive to cultivate customers' credit card habits. Therefore, free SMS notification is of strategic value, but once the number of cards issued exceeds10 million, it is necessary to transform credit card management into refined operation.

Secondly, banks are considering increasing profits by developing this intermediary business. If a bank issues 6,543,800,000 cards, and the SMS reminder fee is 3 yuan/month, the cost of sending SMS through SMS platform is far lower than the price of 0. 1 yuan/piece, then the bank can almost make a net profit of 30,000,000 yuan in 6,543,800+months. This means adding a big benefit cake to the bank.

Thirdly, although SMS reminder service itself is an optional service, it is difficult for customers to choose to cancel this service after they get used to it, because without reminder, cardholders will bear economic losses such as stealing brushes.

When talking about the basis or reasons for banks to charge credit card SMS notification service fees, a bank employee told reporters that banks carry out this business within the scope of policies and regulations allowed by the regulatory authorities, and banks need to consume certain resources and occupy certain costs to provide this business. As for the scale of intermediary business and profit income that this business can bring to banks, it depends on the scale of credit card issuance and the activity of customers swiping cards. Since the bank has charged the SMS notification service fee, it must conduct due diligence on this service to satisfy consumers.

At present, these banks have begun to charge SMS notification service fees, which is inconsistent with the concept of developing inclusive finance advocated by the current management department and the spirit of Internet finance. We are developing inclusive finance, promoting the innovation of Internet finance, and enabling the general public and financial consumers to enjoy more convenient, fast and economical financial services. He believes that the SMS notification service provided by banks to cardholders helps cardholders control risks. Banks should provide SMS notification service for all cardholders, regardless of the amount, free of charge.