Guangfa credit card SMS reminder specific

Excuse me, can the SMS reminder for credit card transactions of Guangfa Bank be turned off, because it is enough to bind WeChat without SMS reminder?

It can be closed. Call the credit card customer service center of the majority of banks, ask for manual service, and explain that you can turn off the SMS reminder service, and then get credit card consumption and repayment information through WeChat.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee 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. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

There is no repayment reminder message on the credit card of Guangfa Bank.

The reasons why the credit card of Guangfa Bank has no repayment reminder message are as follows.

1. The SMS reminder service of Guangfa Bank's credit card has not been opened.

2. The bank card has been automatically deducted, resulting in no repayment reminder message on the credit card of Guangfa Bank.

If the credit card of Guangfa Bank is in arrears of 5W, the bank will return it within 2 days after SMS notification, otherwise the judicial procedure will be officially started. Will you arrest me?

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There are five main ways for banks to accept credit cards:

1, SMS collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

2. Telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

3, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

4. The bank will apply to the cardholder for repayment if the payment is overdue for more than half a year.

5. Outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

Extended data:

Precautions:

Some credit cards have an annual fee, and many people think that the annual fee of credit cards is calculated according to the time of activation. Actually, it's not like this. Credit cards are effective when they are opened, so the annual fee is calculated according to the time when the cards are opened. If the cardholder does not use it for a long time, the annual fee will be deducted and a bill will be generated. If you can't pay in time, it will be overdue.

Credit card overdue problem. For most people, it is believed that a credit card will be credited if it is overdue for one day. Actually, it's not. Even if it is overdue, as long as it is repaid in time within three days and the corresponding bank is called to explain the situation, it will not be recorded in the credit report.

Baidu Encyclopedia-Guangfa Bank Credit Card

People's Daily Online-High-profile collection of overdue credit cards by banks

Is there a transaction SMS notification for Guangfa Credit Card?

If Guangfa Credit Card does not have instant messaging tools/security guards and meets any of the following conditions to authorize transactions, it will send SMS notification: 1.300 yuan (or equivalent) or above transactions; 2. The fast payment transaction of "Guangfa Credit Card" WeChat official account is not bound; 3. Consumption/cash withdrawal/transfer/pre-authorization of magnetic stripe transactions with a single amount lower than that of 300 yuan, if the official account of WeChat of Guangfa Credit Card is not bound, or Discover Wonderful APP and Guangfa Bank APP are not registered. Other transactions can start the instant messaging/transaction security guard function, or realize real-time reminder by binding the official account of "Guangfa Credit Card" WeChat/registering the "Discover Wonderful" APP.

Excuse me, how to open the SMS notification of Guangfa Credit Card?

If Guangfa Credit Card needs SMS notification service, it can open instant messaging service. After the opening of instant messaging, every credit card swipe /ATM withdrawal/transfer transaction will be notified by instant message (charging standard: 3 yuan/card/month).

You can log in to Discover Wonderful APP→ Home Page → Headphone in the upper right corner → Enter Instant Connect to open it.

Pay attention to and bind the official WeChat of Guangfa Credit Card, and get free real-time reminder notice for each transaction.

(Response time: 65438+20201October 29th. Please refer to the latest business changes announced by Guangfa official website. )

Guangfa credit card SMS reminder and Guangfa credit card SMS reminder ended because of the specific introduction. I wonder if you have found the information you need from them?