What should I do if I don't pay the SMS fee owed to the bank?

The short message fee owed by the bank card will not affect personal credit.

The SMS notification function of bank cards is an additional service provided by banks. Generally, the service will be automatically cancelled after two months of arrears, and the arrears will be automatically replenished after the card has enough money.

If it is a card of China Merchants Bank, the SMS notification service will not be cancelled automatically, and the expenses will be incurred normally. If the "SMS notification service fee" cannot be deducted due to insufficient current balance, the personal credit record will not be affected temporarily. However, if there is arrears, the system will make up the deduction when the account has funds.

Change card core

The core of the bank card is changed because the track information of the traditional magnetic stripe card is easy to be copied, which has security risks. In contrast, the chip card has key encryption technology, and the encrypted information is generated randomly. Wang Yu, a senior risk expert of China UnionPay, said that at present, there is no actual case of fake card fraud caused by copying chip bank cards in the world.

Before 20 14, 10 and 3 1, all card-issuing banks and acquiring institutions will close the function of using the magnetic stripe card in the chip magnetic stripe composite card in domestic POS channels and only use the chip for transactions; From 20 15, banks stopped issuing magnetic stripe cards and only issued chip cards.

Generate expenses

The data shows that there are nearly 3.4 billion magnetic stripe cards in the market that need to be replaced, and the cost of each chip card is about 10 yuan, and the replacement cost is tens of billions. The industry believes that the charging standard for changing the "core" needs further regulation by the regulatory authorities. In the process of replacing magnetic stripe cards with chip cards, some banks will charge consumers a certain cost, which will cause heated discussion in society. In this regard, China Consumers Association believes that bank cards should be replaced at their own expense. At present, the fees charged by banks for replacement cards are the same. Banks such as ICBC and Minsheng change IC cards for free, while other banks generally charge1from 0 yuan to 20 yuan. Some banks also claim that the highest charge for card replacement is 40 yuan.

ICBC is free of charge, and the card opening numbers such as 95888, 622208, 62 127 can be changed.

China Agricultural Bank has the highest 40 yuan. The first IC card is free before the end of the year, and the cost of non-first IC cards is reduced by 80%.

Bank of China is the highest in 5 yuan, and there is no charge for replacing chip cards with magnetic stripe cards on March 3rd1. The new card charges 5 yuan. You don't need to change the number at the beginning of 6, and you need to change the number at the beginning of 4.

China Construction Bank is the highest in 40 yuan, so it costs no money to change the card at the Beijing branch, and the number is not guaranteed. The card number at the beginning of 6 can be exchanged with the card number, and the card number at the beginning of 4 cannot be guaranteed. The production cost is not uniform in practice, but in fact, most cards are replaced with the same card number, and no production cost is charged.

The Bank of Communications has the highest 20 yuan, and the replacement of ordinary cards and the opening of new ordinary IC cards require 20 yuan handling fees; Ward cards, Bank of Communications financial cards, salary cards, senior salary cards, annual gold cards and other replacement or new chip cards are free. When changing cards, cards with 17 digits cannot keep their numbers, and cards with 19 digits can keep their numbers.

China Merchants Bank Max 10 yuan. There is no charge for replacing gold cards and above, and there is no charge for replacing ordinary cards M+ cards in Beijing. Different outlets will have corresponding fee reduction policies, such as deposit 1000 yuan at the time of card opening. Changing the card cannot guarantee the number.