The bank card is out of money, is the SMS notification service automatically cancelled or the bank card has been in arrears?

The SMS notification function will not be cancelled automatically, and the expenses will be generated normally. If the current balance is insufficient, the SMS notification service fee cannot be deducted, resulting in arrears, and the system will make up the deduction when the funds are credited.

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

The issuing bank of deferred information shall calculate and pay interest on the deposits in the accounts of quasi-credit cards and debit cards (excluding stored-value cards) in accordance with the deposit interest rate and interest-bearing method of the same grade at the same period stipulated by the People's Bank of China. The issuing bank does not pay interest on the deposit in the credit card account or the currency value in the stored value card (ic card electronic wallet).

Credit card holders enjoy the following preferential conditions for non-cash transactions:

(1) Interest-free repayment period. The interest-free repayment period is between the bank bookkeeping date and the due repayment date stipulated by the issuing bank. The longest interest-free repayment period is 60 days. Cardholders can enjoy an interest-free repayment period by repaying all the used bank funds before the due repayment date, without paying interest on non-cash transactions.

(2) Minimum repayment amount. If the cardholder has difficulty in repaying all the money used by the bank before the due repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank.

Baidu Encyclopedia-Bank Card Management Measures