Will the SMS notification fee owed to the bank affect the credit investigation? Should I pay back the money I owe?

It will not affect the credit and needs to be replenished.

The bank opened SMS reminder service.

Counter opening process:

Bring valid identity documents and bank cards to the local bank outlets;

Fill in a business application form, select "SMS Reminder" in the business application column, and attach the commonly used mobile phone number to bind and receive SMS;

Submit bank card, original ID card and business application form;

Enter the mobile phone number and verification code as required;

You can start the SMS reminder service.