What should I do if the SMS bank owes money? Will it affect my reputation?

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.