There is no money in the agricultural bank card. The text message reminded me to pay the fee for three months. I want to cancel the SMS reminder service. Will I be deducted if I go to the bank?

If there is no money in the bank card and it is not used for a long time, some banks will automatically cancel it and some will freeze the card. If the unused card is the card applied for at the bank for the first time, it is generally a first-class account. However, if an individual has already opened a Class I account in the same bank, he can only open Class II and Class III accounts instead of Class I accounts. The latter two accounts are not as good as Class I accounts in the scope of use, and there are also restrictions on daily consumption and payment.

If the card that is not used for a long time is a credit card, it will be frozen by the bank if it is not used for a long time. In this way, the credit card can't be swiped, but because there is no cancellation, there will be an annual fee, and these annual fees will also affect personal credit information.

Extended data:

The impact of not using bank cards for a long time;

1, affecting personal credit records. As long as the credit card application is approved by the bank, whether it is issued or not, the card will appear in the credit report of the cardholder. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.

2. Increase the expenses of cardholders. Some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which will increase the cardholder's expenses.

3. Increase the risk of brush theft. Bank cards that have not been used for a long time are not easy to be noticed by cardholders after being obtained by others, and the risk of being stolen is greatly increased.

4. Bury hidden dangers for buying and selling accounts, opening accounts under false names, and opening accounts under fictitious agency relationships. According to the introduction of public security organs, in the current illegal and criminal activities of new telecommunication networks, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals.