Introduction: Handling bank cards to open SMS notifications can achieve a win-win situation, which can increase the income of the bank and ensure the safety of the user's assets.
Nowadays, there are not many people who go out to use paper money, whether it is a large store or a small stall vendor, there will be a QR code posted at the door for people to make electronic payments. As long as you bind a bank card on Alipay or WeChat, it is very simple to operate.
Nowadays, the bank card is basically a hand, even students who are about to enter the university life will find the bank card sent by the school in the admission letter they receive, and after getting it, they need to go to the bank to activate it, and tuition and miscellaneous fees will be deducted through this card.
Not only that, bank cards also have functions such as consumer credit, cash access and transfer settlement. Due to the increasing number of people handling, the competitive pressure between major banks has also begun to increase, and how to attract customers to apply for the same card has become a problem.
So the bank began to work the appearance of the gift service and the bank card, such as the card can enjoy free car wash service, free movies, gas discounts and other benefits. Or do the card to send laundry detergent, paper, grain and oil, washbasin and other daily necessities.
This is not nothing, since the major banks began to design the appearance of bank cards, the people have been entangled, after all, such a high value wants to have. The Industrial and Commercial Bank of China has launched the Campus Edition of the Cosmic Constellation Credit Card, which has a very high-grade black frosted appearance.
Each constellation has a corresponding card, which is specially designed for college students using the process of hot stamping with blue side edges. In addition, the Industrial and Commercial Bank of China has also launched a series of debit cards for the Forbidden City, each with its own unique theme, symbolizing a beautiful meaning.
In short, a variety of bank cards are at your disposal, as long as you like, as long as you feel the right line. When applying for a bank card, the salesman will ask you the following question: Do you need to activate SMS notifications? Many friends are hesitant and undecided about this.
If the opening of SMS is free of charge, I believe that many people will not refuse, after all, multiple SMS is nothing, you can always pay attention to the dynamics of your bank card. There is a fee to open the SMS service, and you need to pay about two or three yuan a month.
A well-calculated friend calculated an account, two or three yuan a month is nothing, but it will cost dozens of dollars a year. And now most people have more than one bank card, more or even four or five, a year does cost a lot.
So does the bank card need to be notified by SMS? Many people thought about this wrongly, and the bank employees gave the answer. First of all, let's understand what the sms notification of the bank card is for, unlike spam SMS, it can report the status of the bank card at any time.
In simple terms, if you shop at the mall to swipe your card, you will receive a corresponding text message as soon as the bill comes out. The content includes information such as the amount and time of the card consumption and the remaining balance on the card, so that you can keep abreast of the funds.
There is also a situation, if the bank card is lost or stolen, you can know it at the first time and take corresponding measures. Of course, all this is based on the opening of SMS notifications, dozens of a year seems to be a lot, but spread to each month is actually good.
Two or three dollars to buy a guarantee for their card, this kind of thing is not afraid of ten thousand, just in case, then regret can not be too late. Then it is also beneficial for banks to open SMS notifications, although a card is not much money, but there are too many users who can't stand the bank.
The SMS notification fee paid by the user to the bank, even if a part is given to the Netcom company, it also earns a lot. Moreover, the bank is an intermediate business in the process of collecting SMS notification fees, and does not need to take any risks, so it is a win-win situation for users and banks.
If you still think it is not cost-effective, you can count which bank cards are commonly used and which are basically not used. Rarely used bank cards can go to the bank to handle the cancellation business, so that there is no need to open this business, and the money saved every year can be handled for the frequently used cards.
epilogue:
In addition to understanding the importance of activating SMS notifications, some friends will issue such a question: If there is not enough money in the bank card, will the SMS notification business be cancelled? If there is no money every month can not be deducted normally, but the bank will not take the initiative to contact me to ask for a few dollars, if this month can not be deducted automatically hung up processing, when the money is deposited in the bank card will be not paid before the SMS notification fee will be settled. However, there is a time limit, if you have not deposited money into the card for more than 3 months, then the business will be automatically canceled. There are also some people who are worried that their careless forgetting to pay the fee will not affect their credit report, which can be assured that even if there is no money to deduct, it will not have an impact. Once or twice is nothing, but it is better to go to the bank to cancel the business after a long time, and save yourself trouble. If you want to save trouble, you can download the bank's own exclusive APP, after logging in, you can check your account status, balance situation and financial products and other information, what questions can be called in time to inquire, overall more convenient. Bank cards are related to our personal property safety issues, and we must always pay attention to them.