China Construction Bank sent a text message about why the annual fee is 36 yuan and the balance is too much.

The bank automatically debited the limit.

The bank will send text message reminders to cardholders before the credit card annual fee is due, so that cardholders can keep abreast of credit card expenditures and avoid fines and overdue interest due to failure to pay the annual fee. In addition, CCB will also automatically debit the cardholder's credit limit, usually to avoid overdue fees for the cardholder. If the account balance is more than 36 yuan, it is likely that CCB automatically debited it.

The automatic debit function of the bank can facilitate cardholders to spend within the credit limit, but they also need to pay attention to controlling the usage limit and managing bills regularly.