If you mention the most profitable industry in China, I believe that the first reaction of many people is the banking industry. In the case of the six state-owned banks, these six banks not only ranked among the top of the Fortune 500 list released in 2021, but also the Industrial and Commercial Bank of China became the world's largest banking industry. According to calculations, the cumulative net profit of the six state-owned banks in the first half of 2021 was 634.893 billion yuan, with an average daily income of 3.5 billion yuan. It has to be said that China's banking industry is "big and big", and thanks to China's means of regulating the epidemic in 2020, the economy has taken the lead in recovery, and the development of the banking industry has also embarked on the "fast lane".
In the latest second quarter operating payment report released on September 6, 2021, the bank card card business increased slightly, with a total of 13.19 billion bank accounts and 9.11 billion bank cards issued nationwide, with an average of 6.45 bank cards in each person's hand. In the second quarter, a total of 101.317 billion transactions occurred, with a total transaction volume of 240.25 trillion yuan, an increase of 24.38% year-on-year.
For banks, perhaps people's "visit" frequency is not very high, may not go once a few months, but banks are still relatively reliable in people's minds. Of course, banks are not 100% perfect, such as opening cards and opening accounts. Generally speaking, people need to go to bank branches to do it. However, many depositors hesitate, after applying for a bank card, the bank staff will ask whether to open the "SMS notification" service, which makes many people wonder.
In fact, the opening of sms notification service can better ensure the safety of bank card funds. It can not only more intuitively understand the whereabouts of personal property in the bank card, but also protect the safety of our funds at a deeper level. In contrast, the annual business cost of 20 or 30 yuan is actually very cost-effective. After all, we can't always hold the mobile phone to view, but the SMS notification can be summarized on the user's mobile phone for the first time, which can eliminate the phenomenon of theft in time.
This feature is good, but it is "paid". According to the charging standard of ICBC, the SMS service fee of 3 yuan per month is charged; the charging standard of CCB is also 3 yuan. In addition, the ABC SMS fee is 2 yuan / month. Although 3 yuan is not much, you have to pay 36 yuan a year. Moreover, now everyone holds almost seven bank cards, which means that at least 252 yuan of SMS service fees are paid every year.
Everyone is very disgusted by this type of charging situation. Moreover, most people think that SMS notifications should be what banks should do, and then it is very unreasonable to charge. The reason why people don't like this kind of charging behavior is because in addition to deducting money every month, they still feel that the money is not worth it.
In fact, banks have no choice but to do so. Information fees belong to the category of value-added services and are a source of income for banks. Now the collection of bank card information fees has been very relaxed, and it is no longer as mandatory as before. Now many banks have voluntarily canceled fees, and users can cancel fees themselves, but they can't receive information. In this regard, some bank staff suggested that it is best not to cancel the function of receiving information, and do not be afraid of wasting money.
The reason why the bank staff did not recommend canceling this function is because the bank's deduction SMS is "instant", that is, for every consumption, the bank will send a deduction SMS to the user at the first time, which can let us know exactly how much money is spent on the bank card. If we accidentally encounter telecommunications fraud or bank card theft, the deduction SMS can let us know that our bank card transaction is abnormal for the first time, and can "stop loss in time" faster. If there is no reminder of the deduction information sent by the bank, wait until the bank card is "stolen" to react in hindsight, I am afraid that it is "too late".
In May 2021, the Supreme People's Court stipulated that if a bank card is stolen and the user himself does not know and is not responsible, he can claim compensation from the bank. However, the actual operation is not easy and requires a lot of time and effort. And by the time it was discovered, it had been a long time, and it was also troublesome to collect evidence.
Therefore, if you cancel the SMS notification function, it may cause a situation of small profit and big loss. Of course, if you feel like you don't have much money on your card, you don't need to know the circumstances of every transaction, even if it's stolen, it doesn't have much impact, then you really don't need this feature. In addition, the good news is that some banks will also offer a free "SMS notification" service to attract depositors to deposit. If you encounter this situation, please do not hesitate to open it.
So some people will ask, if my bank card does not have money, will the bank automatically cancel the SMS notification service for me?
The answer is no. SMS notifications are also turned on regardless of whether the card has money or not. However, when the bank card does not have money, the bank will not be able to collect the fee from the bank card on time every month. Only monthly SMS notification charges can be credited to the account and credited to the corresponding ledger account. Once the bank card has funds transferred, the bank will withhold all previous arrears at the first time, and the bank card SMS notification service can be used normally.
However, if the balance of a bank card is zero for three consecutive years, the bank cancels the card directly for the customer from the previous dormant state. At this point, the SMS notification fee owed by the bank card will be transferred to the "non-operating expenses" account and will not need to be paid again.
So, if There is no money in the card to deduct the SMS fee, will it affect your credit problem? The answer is no. The bank card has no money to deduct the SMS fee, even if it is in arrears for several months, it will not affect the customer's credit. If there are customers who are worried, they can contact the bank to cancel, or cancel the SMS notification service in the mobile banking APP.
Overall, while internet platforms can let us know how our cards are being used, "SMS notifications" are also a service worth dealing with. After all, a lot of people's money is kept in bank cards. In case of theft, the consequences are undoubtedly very serious. Therefore, the SMS notification service can provide us with insurance and help us stop losses in time.