My CCB settlement card was owed RMB 3 by SMS on 10 last month, and it was returned today. Will it still affect my credit?

I can't stand knowing that you are always wrong.

1. SMS arrears will not affect personal credit. If there is a short message reminding you that you already owe money, you can pay it back according to the short message reminding, provided that the balance in the card is enough (usually a few dollars). If the repayment is not made in time, the SMS reminder service will be suspended. After the service stops, you can go to the counter to repay the money, even if it is restored.

2. The charge limit of small account management fee of China Construction Bank is 500 yuan, not 300 yuan. If the average daily balance in a quarter is less than that in 500 yuan, 3 yuan will be deducted every quarter.

3. There are two kinds of settlement cards: quasi-credit cards (blue letters) have annual fees but no small account management fees, and the other is settlement debit cards (that is, ordinary savings cards, starting with 6236) have annual fees and small account management fees.