How to deal with the overdue credit card SMS reminder fee

how to activate credit card SMS notification?

credit card SMS reminder service can be opened as follows: Method 1. Opening process of bank counter: 1. Bring valid ID card and bank card to local bank outlets; 2. Fill in an application form for business handling, select "SMS Reminder" in the column for business handling of the application, and attach the commonly used mobile phone number to be bound for receiving SMS; 3. Submit the bank card, original ID card and business application form;

how to open SMS reminders for credit cards

1. The methods are as follows: (Take China Construction Bank as an example)

1. Bring your bank card and ID card and open them at the bank counter.

2. Call 95533 to select 8 key (other services), then select 3 key (SMS signing), then enter the account number or ID number, then enter the telephone banking password, then select 1 key (SMS opening), then enter the account number or ID number, then enter the mobile phone number, and select "Open" to open.

3. Ask about the opening of bank customer service 95533.

Precautions about credit cards

1. You can't spend more than 3% of the total amount each time

2. You can't empty all the cards, but leave 1% ~ 2%;

3. You can't always brush integers;

4. Brush directly from 9 am to 9 pm every day;

5. Brush in the morning and in the afternoon, no more than 3 times a day, and the interval is more than 4 hours;

6, swipe your card more than 15 times a month, and if you can't swipe it, you will swipe it more than 1 times, with more frequent usage;

7. Make a small installment every 3 months or so. The shorter the installment, the lower the interest! I usually divide it into three months, and if the interest rate is super favorable, it may be longer in stages, which is my personal grasp;

8. Try not to always use WeChat and Alipay for this machine (except the UnionPay platform), but use the machine brush.

9. I usually use more cards in my daily life. Take my personal example: my mobile phone fee is 3 yuan per month, and I buy 1 times with 1 credit cards. The same is true for paying electricity. Each card is paid to 3 yuan, and the answer is one yuan. Many shops can use credit cards for Alipay and WeChat. These are all things you often encounter in your life. Pay more attention.

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Reference: Baidu Encyclopedia: Credit Card)

Do you charge for credit card SMS reminders

Whether credit card SMS reminders are charged varies according to different banks.

First of all, we should distinguish between different banks. Some banks charge SMS fees, while others don't. In fact, banks charge SMS fees. The reason for not charging is that the annual credit card fee includes SMS fees, which has been deducted from the annual fee.

Different banks charge different fees. For the credit card short message service of CITIC Bank, there is no charge for short message reminders above 2 yuan, and short message reminders below 2 will need to start the " starting point" short message notification, which requires two charging standards: 36 yuan/year and 48 yuan/year. Most banks basically charge according to the SMS charging standard, which is one month in 3 yuan.

a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when they use credit cards, and they will make repayment on the settlement date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts.

in February p>212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

in the 196s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 5 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 198s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and in the past ten years, they have developed by leaps and bounds.

After the financial crisis and the ups and downs of domestic economy, the credit card market in China picked up in 21. By the end of 21, the total number of domestic credit cards has exceeded 2 million. In 21, the amount of cross-bank credit card transactions in China reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

will there be a SMS reminder when the credit card is repaid?

There are usually SMS reminders, and some banks can also receive WeChat reminders if they are bound to WeChat WeChat official account.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

second, the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Specification for English Translation and Writing in the Field of Public Service was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

IV. Application

The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

5. Generally, the application method is to fill in a credit card application form, which generally includes the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

VI. The application forms are attached with a credit card use contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have the applicant's autograph.

why did you receive a credit card repayment reminder message?

If it's your own credit card repayment information, it means that you have opened the credit card repayment SMS service; If it is not your own credit card information, you may receive++information, so you need to be especially vigilant. Delete the text message immediately after receiving it. Never open the linked text message to avoid the loss of your bound bank card. Another possibility is that your number was recycled and resold. The last owner left your number in the bank when he applied for a credit card, but he didn't go to the bank to change it in time after canceling the account, so you received a prompt message from the bank after buying this number. Just take your ID card to the bank and cancel it.

The newly-opened mobile phone number sometimes receives several repayment short messages every day, and more often, it encounters the problem that various network platforms cannot be registered or have been registered. In fact, these problems are all due to the problem of secondary delivery, and sometimes even if the number is newly opened, it may encounter secondary delivery.

so what exactly is a secondary launch?

under normal circumstances, if your mobile phone number is out of service, it will be frozen for a period of time and put on the market again after being taken back by the operator, which is called "secondary numbering" in the industry. If the mobile phone number is not used for payment for 3 months, it will be automatically cancelled. After a freezing period of more than 9 days, it can be re-entered into the number selection system. And telecom operators can't know which third-party services are tied to customers' mobile phone numbers, and there is no way to eliminate them.

how should we deal with such a problem?

In many cases, before the number is put into use again, operators can only eliminate their own customized value-added services, and they have no right to change the registration information of third-party websites bound with mobile phone numbers. So at this time, we need to manually contact the third-party platform for unbinding or cancellation. Of course, for friends who want to change their numbers, their old numbers are no longer needed, and they must also develop the habit of actively canceling and unbinding various Internet platforms. How can we avoid the second-hand mobile phone number that is re-numbered? On the one hand, try to choose the number of the brand-new number segment; On the other hand, after selecting the mobile phone number, contact the customer service staff of the operator and ask them to help you find out whether the mobile phone number you have selected is a secondary number, and unbind and cancel the relevant software in time. At present, we still need to pay more attention to this problem and deal with it in time. Because there are many loan platforms such as credit cards now, the good and the bad are mixed. If this happens, we can contact the customer service of the relevant bank in time or cancel it at the front desk of the bank.

that's enough for the introduction of credit card SMS reminder.