What should I do if the annual fee and SMS fee have never been deducted from my debit card?

Bank cards do not charge annual fees or information fees. In order to attract more customers, some banks will provide some preferential policies. For example, Bank of China does not charge information fees for six months or even a year for new cards. There are also banks where you can enjoy free information services when you have a large deposit in your account. However, some bank card accounts have insufficient balance and the information fee cannot be deducted, which is generally 30 yuan/year.