Does the SMS service fee owed to China Merchants Bank matter?

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.

The short message service fee refers to the short message prompt sent by the bank to the consumer when the funds in the consumer's bank account change. Consumers can log on to the relevant bank in official website to inquire about the specific charging standards, which may be adjusted by each branch. The specific price is subject to the final announcement of the outlets. The SMS service fee will be charged from the signing day. If consumers enjoy the free probation period, they will start charging on the day after the end of the free probation period, and then charge monthly (including the billing cycle) or monthly. Each billing cycle is from the start date of the current cycle to the day before the start date of the next cycle. If consumers need to cancel the SMS service fee, they can customize the message service pages of mobile banking and online banking, close them by themselves according to the page prompts, or cancel the SMS reminder service at the relevant banking outlets. Some banks (such as China Construction Bank) provide free SMS reminders for all credit card withdrawals, foreign currency transactions and large RMB transactions in 500 yuan and above. If consumers have more such services, they can keep the SMS reminder service. If the funds in the user's account are insufficient to pay the SMS service fee, it is necessary to pay the fee in time. After paying the SMS service fee, resume the SMS reminder service in real time. If the payment fails, the user can bring his valid ID card, bank card and contracted mobile phone to the relevant bank for processing.

Short message banking refers to the electronic banking business in which customers edit the short message service number in a specific format to the bank, and the bank handles related business for customers according to its instructions, and informs customers of the transaction results in the form of short messages. Online banking SMS is a relatively safe and cheap financial activity authentication tool in the Internet era and the mobile communication era, that is, when a bank receives a business request, in order to verify the identity of the other party, even if it sends a verification code through SMS, it will confirm whether it handles the business for the reserved information request; This method is simple, and the security is improved by dual-channel verification.