How to close the SMS notification service fee of bank card?

In daily life, the bank card can be said to be an indispensable and important thing for us. As a tool for our deposit and withdrawal, daily consumption and banking, it can be said to be very important. With the access of Internet services, the functions of bank cards are becoming more and more abundant. We can handle many things online without going to the bank in person. In order to keep abreast of the personal account dynamics, the bank opened a short message notification service for bank cards.

This leads to the question whether SMS notification of bank cards should be opened. On the one hand, people may ignore this kind of information because of their busy work and negligence, and feel that it is of little significance to open text messages; On the other hand, people will pay more attention to the costs incurred and are unwilling to bear the extra costs. So, should this charging policy for bank cards be abolished? The bank staff gave such advice.

For most people, the business related to bank cards usually involves almost all deposits and withdrawals, so the short messages you receive about bank cards are almost dynamic balance, consumption amount, recorded amount and so on. After a long time, it will give you such a cognition that the service function of bank card SMS is relatively simple, which is nothing more than telling yourself about the change of your account.

Generally speaking, my own bank is relatively safe, and there are no accidents such as fraud, so I think it is unnecessary and a waste of money to open a bank card short message service. This view is actually not recommended. Because the functions of bank cards are actually very diverse, the short messages that can be provided to customers are also quite rich.

Not only will personal accounts receive corresponding messages when they have transactions, but even other services can be realized through bank card messages. For example, if there is anything wrong with our bank information, when we need to book or cancel some banking services, we can get timely information through bank card SMS.

In addition, the progress of some banking services we handle will also be realized in real time through bank SMS. Therefore, the significance of bank card SMS service is to let customers know their account funds at the first time. Both records and consumption, including transaction details, can be displayed in a timely and true manner. The advantage of this is that you can know whether your bank account is safe as soon as possible.

In particular, details such as transfer and consumption can be displayed in time to let you know whether the transaction is allowed by you. If there is a problem, it is also convenient to contact the bank for further treatment at any time, so as to reduce the probability that your assets will be damaged due to the lag of information reception.

By understanding the function of bank card short message service, it can be inferred that the function of bank card short message service is still very important, and bank employees also suggest that customers had better open bank short message service. No one will deny the usefulness of bank card SMS service. The reason why we are obsessed with whether to open this service is mainly because we care about the cost of opening this service.

In the eyes of many people, the information that banks need to know can be found by themselves, and there is no need to spend money on SMS services. In fact, when deciding whether to open SMS, we can't simply consider the charging level. Because in the final analysis, the SMS service of bank cards is an important tool to help us ensure the safety of our own funds.

You can know in time whether your personal property is allowed to go and what progress your banking business has made. You know, almost everything related to banks is very important, especially when the money changes, it is even more critical that you can control it at any time. After all, you can't always run the bank or monitor the bank account.

Some people say that if their money is stolen, they can go to the bank for compensation. Although banks do deal with it accordingly, it is certain for themselves that the sooner they know about the abnormal changes in money, the better. In order to stop the loss in time, let the bank handle it in time.

Moreover, the longer you delay and deal with it later, the greater your loss may be, or even irreparable. Compared with their own funds, the service fee of 20 to 30 yuan per year for bank SMS is actually "insignificant".

Some people think that it is not expensive to spend a few dollars a month to learn about their bank cards, and they are willing to accept them. Others think it is unnecessary to spend more money on this service. In other words, banks should cancel the SMS service policy of bank cards. However, in the end, whether to charge or not depends on the bank. Some banks will charge corresponding fees, others will not, and the fees charged by each bank are different.

In fact, we need to properly handle our idle bank cards as soon as possible, instead of paying attention to the SMS charges of bank cards. Even if we need to deduct some money every month to pay for the SMS service of bank cards, at least we are actually using these services and enjoying the benefits brought by such services.

If you have an unused bank card, it is actually a waste of resources. Because these bank cards will be charged a certain management fee or annual fee whether they are used or not. Then, in the unused state, deducting these expenses is unnecessary waste.

And sometimes, because you ignore your bank card for a long time, the money in your card may be stolen, causing great property losses. If there is no money in the unused card, it may cause the overdue payment of the bank card management fee, thus generating interest charges. Therefore, for bank customers, we should pay attention to cancel their unused bank cards in time. Don't think it's troublesome to run a bank for this. In order to protect your property and reduce losses, you should dispose of idle bank cards as soon as possible.

I believe you have the answer to the question of whether to open SMS notification on bank cards. No matter whether there is a charge or not, we need to admit that there are many important benefits of opening bank card SMS. In this way, we have a better sense of security when we put our money in the bank, and we can also grasp the fund dynamics in real time.

As for the issue of bank card charges, it is not difficult for us to understand that the service itself also requires human and financial costs, so there is a corresponding charging policy. Of course, whether to open this service in the end depends on my wishes, and it is not mandatory at present.

Related Q&A: How much is the SMS notification service fee for one year? What does SMS notification service charge mean? If it is a bank account dynamic SMS notification service fee, it is generally a monthly 2 yuan. If it is a short message notification service fee in other aspects, it is recommended to suggest customer service in related aspects.

Related question and answer: Do you think it is reasonable for banks to charge SMS fees? From the operational point of view, it is reasonable for banks to charge SMS fees appropriately.

SMS notification is an additional business of the bank, not its own internal business. In addition to the cost of its own operation, it is also necessary to pay relevant fees to the mobile company. Considering the cost, it is reasonable for banks to charge SMS fees appropriately;

From the service point of view, banks will choose whether to charge according to different situations.

As the SMS fee is an additional service of the bank, it can actually be selected according to different situations. Such as VIP customers, big customers, etc. In fact, many banks do not charge fees as additional services, which are paid by the banks themselves, which also reflects the services of the banks. But then again, it is also the wool that comes out of the sheep;

How much the SMS service fee is reasonable is the key.

You know, the short-term payment from the bank is not 1 cent, because it is a batch, so you know the cost. Besides, how many customers and accounts are there in the bank? How much is the account charge for one month 1.5-2 yuan, 1 100 million? Then, whether the charge is reasonable has become a topic of concern.

Can we consider the method of collection?

In fact, everyone's accounts are there now, but they rarely use bank cards directly. Many ordinary people basically text messages every month to check whether the salary has arrived and see the credit card repayment. The rest are basically direct credit cards. In this case, it may not be cost-effective to pay a monthly fee, and perhaps you can consider each charge.

In other words, everyone can choose according to their own situation. If there are few short messages per month, you can charge by article, and if there is a large demand for short messages, you can charge monthly.

In short, it is reasonable for banks to charge SMS fees, but they can't stick to the rules. We can consider reducing the SMS fee through other added values to make customers feel served, or we can choose an appropriate humanized SMS fee charging method. Although the monthly fee is not much, the design service and details are taken into account, which may bring unexpected good results?