I opened a bank card, and I got 2 SMS reminders every month. There is no money in it. What will the bank do if it fails to pay for a long time?

I have opened two bank cards with SMS reminders for a month, and there is no money in them. If I don't pay for a long time, the bank will suspend the SMS reminder service, and the bank card will be frozen into a dormant account if it is not used for a long time.

Take China Construction Bank as an example:

If there is no transaction record in the personal bank account (including debit card, current all-in-one passbook and credit card) and corporate bank settlement account newly opened since 20 16 10/day, CCB will suspend the counter business of the account, and customers can only re-verify the account opening documents and other identification documents through any CCB outlet in the country.

In addition, for personal current deposit accounts with a balance less than RMB 100 (excluding) and no transaction for more than 3 years (including), the account status will be automatically changed to sleep account.

Sleepers still need to charge annual fees, small account management fees and other related fees. At present, the long-term non-use of savings cards will not affect their personal credit records. If it is confirmed that they will no longer use our savings card, they need to establish a marketing account as soon as possible.

Extended data:

The short message notification service for account change is to send you a short message when the funds in your account change, so as to keep abreast of the fund dynamics. It is recommended to keep it. If you need to cancel, there are several ways:

1, cancellation of personal savings account change notification service can be handled in the following ways:

(1) SMS cancellation: use the contracted mobile phone to edit the "last four digits of QXTZ# account" and send it to the account change notification service corresponding to the cancellation of 95533. Please don't include other character information or text description in the short message.

(2) Website cancellation: log in to the homepage of CCB official website, click "E-banking-business processing-message service customization" at the top of the page, fill in and submit relevant information, click the plus sign before "savings account", and then click the "Cancel" button on the right side of the corresponding account.

(3) Personal online banking cancellation: log in to personal online banking, click the "Settings" button above, select "Message Service Customization", and select the corresponding account under "Savings Account" to cancel.

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