Useful. Bank of Communications "worry-free card use" is the function of credit card, and worry-free card use business is the consumption reminder business of Bank of Communications credit card. The standard of service charge is 4 yuan/household/month, and it will be deducted every three months 12 yuan. Worry-free card use is a service provided by Bank of Communications for credit cards. The worry-free card service of Bank of Communications includes two aspects: SMS reminder service for each transaction and 96-hour card loss guarantee. As long as you have a bank of communications credit card, you can apply for opening, modifying and unsubscribing the "worry-free card" service, but the official card and installment card of bank of communications cannot open the business related to worry-free card use.