1. The SMS fee cannot be charged compulsorily. You can complain to him about this.

2. If the password or identity information is forgotten, the bank is not responsible. But you can choose to report the loss

3. It can be seen that you did not read the credit card manual carefully before. Credit card deposits do not accrue interest, and there is a handling fee for overpayment (that is, the extra money you deposit). This is fundamentally different from a debit card. I'm not sure about other banks. It should be written in the manual that you need to apply for card cancellation by phone. The following branches generally do not handle this business.