How long can the bank owe the SMS service fee?

Bank SMS service charge is generally deducted once a month, and a one-time deduction of 30 means that the bank deducts the service charge once a year. There is no difference between monthly deduction and annual deduction. If users are not used to annual deduction, they can apply to the bank for monthly deduction instead. If the user defaults on the service fee, he will no longer be able to enjoy the SMS reminder service.

After the bank SMS service fee is deducted successfully, users can continue to enjoy SMS reminder service, and users can close the service at any time. After the closure, the bank will not deduct the fee.

Generally speaking:

If the bank card charges the SMS fee, even if the bank card is not used, the SMS fee will always be deducted. However, some banks will automatically stop deducting fees and cancel the SMS notification service for account changes after three months of unsuccessful deduction. If it is necessary to stop the fee deduction, the cardholder can cancel the SMS notification service of account change through various channels such as SMS, mobile banking, online banking, telephone banking and outlet counters.

It is worth mentioning that 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 cancelled automatically after two months of arrears, and the arrears will be deducted automatically after the card has enough money.

Therefore, users are advised to cancel the cards that are not commonly used in advance, so as to avoid unnecessary costs, otherwise the bank will still charge SMS fees and service fees according to normal procedures in the short term. If the balance of the customer's bank card is zero within three years, the bank is likely to directly cancel the bank card from the "sleep state", so that the SMS notification fee originally owed by the customer does not need to be paid.