What does it mean for Yunnan Rural Credit Cooperative to deduct 19 yuan SMS fee?

Legal analysis: it depends on the specific situation. 1. The balance of the bank card is insufficient, and the bank card will not expire in a short time.

2. First of all, it is necessary to find out the service fees of bank cards, which mainly include annual fees and small management fees (some are calculated in 300 yuan according to daily average and monthly average assets, and some are calculated in 500 yuan according to assets). When the account balance is 0 and has not been used for a long time (usually two years), the bank card will automatically go to sleep, also known as sleep card. At this time, if you want to continue to use it, you need to bring your ID card to the bank counter to activate it. Usually, every bank will cancel sleep card's account regularly. After the account is cancelled, the bank card will automatically become invalid and only a new card can be issued.

3. If the insufficient balance affects the normal deduction of bank cards, arrears will be formed. After the user deposits the funds, the bank will generally deduct the arrears at the first time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 502 A lawfully formed contract shall become effective upon its formation, unless otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval.

Article 503 Where an unauthorized agent enters into a contract in the name of the principal, and the principal has started to perform the contractual obligations or accepted the performance of the other party, it shall be deemed as ratification of the contract.

Article 504 A contract concluded by the legal representative of a legal person or the person in charge of an unincorporated organization exceeds its authority, unless the other party knows or should know that it has exceeded its authority, the representative's behavior is valid, and the contract concluded is valid for the legal person or unincorporated organization.

Article 505 The validity of a contract concluded by the parties beyond the scope of business shall be determined in accordance with Section 3 of Chapter VI of Part I of this Law and the relevant provisions of this Chapter, and the contract shall not be deemed invalid because it exceeds the scope of business.

Article 506 The following exemption clauses in the contract are invalid: (1) Causing personal injury to the other party; (2) Causing property losses to the other party due to intentional or gross negligence.

Article 507 Invalidation, invalidity, cancellation or termination of a contract shall not affect the validity of the dispute settlement clauses in the contract.