The repayment SMS fee deducted from the credit card by CITIC Bank customer service will be returned to the credit card. CITIC Bank sends text messages for credit card transactions for free so that cardholders can understand credit card consumption dynamics at any time. However, the bank's SMS notification fee is not free. It is generally deducted from the credit card at a monthly fee of 3 yuan. If the bank deducts text message fees and fails to repay on time, this situation will also lead to overdue payment. So make timely repayments.