How to recover the bank card without SMS reminder?

Users can bring valid identity documents, bank cards and mobile phones to the counters of any branch of the bank where the account is opened, and use the bank self-service inquiry machine or call the bank customer service for business recovery. Generally, this situation will be caused by the expiration of the service or insufficient balance in the bank card, and the user can solve the fault according to the tips of the bank. Take the Bank of China as an example.

1. The phone is restored. Call the bank's customer service hotline, then go to the manual service, then apply for SMS service, and the customer service will open it for you.

2. Network recovery. To apply for SMS service at the counter of bank outlets, you need to provide your ID card and bank card to the counter staff.

3. Mobile banking resumed. Open the bank's mobile APP, log in to the "SMS notification" at the top of the home page, and then search to see the SMS service. After entering, you can open it.

First of all, we must make clear the reason why the bank SMS reminder suddenly disappeared. There are two main reasons. First, the bank card balance is not enough. If SMS reminder is enabled, the system will automatically deduct money every month. If there is no balance in the card, there will be no SMS reminder. Second, the SMS service we launched is effective and will automatically stop after the expiration date.

If it is because the amount is insufficient, it can be transferred to funds. If it is because the expiration date has passed, you can call the bank's customer service hotline to handle it.

The validity period of SMS balance reminder is generally one year, and the business expenses are deducted from 2 yuan every month and 24 yuan every year. You need to handle this business after it expires before you can continue to use it.

What are the repayment methods of banks?

1. Equal principal and interest repayment method: add the interest generated by the borrower during the loan period to the total loan principal, and then distribute it evenly to each month, and repay the same amount of funds every month.

2. average capital repayment method: the borrower repays the principal in equal amount every month, and the loan interest is calculated according to the remaining principal, and the interest is reduced by stages.

3. One-time repayment: within the stipulated repayment time, the principal and interest of the loan shall be paid off in one lump sum.

4. Early repayment: before the loan term expires, apply for repayment of the remaining part or all of the arrears.

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