I set up a savings card at the Agricultural Bank of China, and at the same time opened a SMS notification, but the card has been used for a long time. I guess I have no money, which will affect my per

I set up a savings card at the Agricultural Bank of China, and at the same time opened a SMS notification, but the card has been used for a long time. I guess I have no money, which will affect my personal reputation? It won't affect. Debit cards have no overdraft function. If there is no money on the card, the SMS fee, annual fee and small management fee cannot be deducted, but they will be deducted together after the deposit. /kloc-Cards with a 0/8 month balance and no transaction will be converted into sleep accounts and will be automatically cancelled in about 5 years. So you don't have to worry that your credit status will be affected by the insufficient balance in the savings card.