Will the short message fee owed by the bank card affect personal credit?

The short message fee owed by the bank card will not affect personal credit.

The SMS notification function of bank cards is an additional service provided by banks. Generally, the service will be automatically cancelled after two months of arrears, and the arrears will be automatically replenished after the card has enough money.

If it is a card of China Merchants Bank, the SMS notification service will not be cancelled automatically, and the expenses will be incurred normally. If the "SMS notification service fee" cannot be deducted due to insufficient current balance, the personal credit record will not be affected temporarily. However, if there is arrears, the system will make up the deduction when the account has funds.

Extended data:

Factors affecting personal credit record

1, the credit card is overdue for three consecutive times or six times in two years;

2. In the previous mortgage behavior, the monthly payment was overdue for 2 to 3 months or unpaid;

3. The monthly payment of the car loan is overdue for 2-3 months or has not been returned;

4. The expected annualized interest rate of the loan is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest;

5. If you don't use the sleep credit card after activation, you will have an annual fee and a negative credit record;

6. Credit card overdrafts and mortgage loans are not repaid on time;

7. When providing a guarantee for a third party, the third party fails to repay the loan on time;

8. Economic disputes such as debts will also affect credit records;

9. Water, electricity and gas charges are not paid on time;

10, personal credit card cashing behavior;

1 1, the student loan is in arrears;

12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant formalities after the mobile phone is stopped, and overdue due to the failure to pay the monthly fee;

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

References:

Baidu Encyclopedia-Personal Credit Survey