There is no money in the savings card of CCB, and the short message function leads to its arrears. If ignored, there will be no credit impact. . . .

I'm from China Construction Bank. First of all, you use a CCB debit card. Debit cards don't have overdraft and credit functions like credit cards, so if the card you use has no money, the system won't reverse it. Even if you owe money, you will automatically close your account after three years, and your reputation will not be affected. The monthly fee and annual fee for SMS subcontracting of CCB are 2 yuan and 200 1 respectively. There is no need to pay back the arrears of SMS. However, if you want to open a CCB card (bank card 10 yuan) to sign SMS in the future, you need to pay the previous SMS fee first, but the reputation has nothing to do with it. I hope I can help you.