If there is no money in the ICBC card, will the SMS reminder fee and annual fee still be deducted?

For ICBC cards, even if the balance in the card is insufficient, the bank will not forcefully deduct SMS reminder fees and annual fees. The bank will try to deduct these charges from the card, and if that fails, the charges will be posted to the credit card. If you continue to use the card, the bank will automatically deduct these pending fees from subsequent transactions. If the bank card account has not been used for a long time and exceeds 3 years, the bank card account may be regarded as a dormant account by the bank. At this time, specific operations may be required to activate or process it.

SMS reminder services usually require payment, and each bank has different charging standards. Some are billed on a monthly basis, and some are billed on a quarterly basis. The SMS service is mainly used to notify cardholders of account changes in a timely manner.

As for credit card and debit card applications, credit card applications require more detailed personal information and supporting materials, and can only be issued after a certain review period; while debit card applications are relatively simple, and you only need to bring your ID card. It can be done on site. If the card is lost, you can first temporarily report the loss by phone or online, and then go to the bank counter with your identity document to formally report the loss.