Why is there no SMS reminder every time I swipe my credit card (Bank of Communications)?

Normally, if you do not receive a transaction SMS reminder when using a credit card, the reasons may be as follows:

(1) The Bank of Communications card SMS reminder service has not been activated;

< p>(2) The mobile phone number reserved at the Bank of Communications is wrong;

(3) There is a communication failure with the mobile phone number operator.

A credit card is a credit certificate issued by a commercial bank or credit card company to qualified consumers. The form of a credit card is a card with the name, expiration date, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to specialized commercial service departments to shop or consume, and then the bank will settle with the merchants and cardholders, and the cardholders can overdraw within the prescribed limit.

Another term for credit card is credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's credit and financial resources. Cardholders do not need to pay cash when using their credit cards, and will be repaid on the settlement date. Except for some combinations of credit cards and debit cards, general credit cards are different from debit cards and cash cards. Credit cards are not debited directly from user accounts. In February 2012, the bank confirmed that credit cards without passwords are more secure. If it is stolen, you should bear the same responsibility as the bank. Enjoy the interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due payment date without incurring any fees. There is no interest-free repayment period for cash withdrawals. A daily interest of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of withdrawal fees.

According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards

(1) Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility, and status, and the requirements for them are not high.

(2)Gold card. A gold card is a premium credit card that pays high membership fees and enjoys special benefits. The issuance target is people with high credit, strong repayment ability, good credit or a certain social status. The gold card has a higher authorization limit and a much wider range of additional services, so the requirements for related service fees and deposits are also relatively high.

Why is there no SMS reminder when I swipe my credit card?

If there is no SMS reminder after swiping a credit card, there may be the following reasons:

1. The credit limit is too small, so the bank did not notify;

2. It is not activated Relevant text message reminder service;

3. The mobile phone is set to intercept text messages, so it cannot be received;

4. The reminder system is faulty and the card swiping information is ignored.

No SMS reminder when swiping a credit card?

The reasons for not receiving text messages during consumption may be: the transaction amount is lower than the branch or the sending starting point set by you; the SMS notification service is in arrears, and the arrears need to be paid.

Or the mobile account text messages for batch deductions such as credit card repayment or loan repayment are sent in batches, and the sending may be delayed; the mobile phone number is registered incorrectly during activation; the operator has a network problem Failure, the mobile phone number has been blocked, or it was not within the service area at the time.

If the messaging service receives abnormal text messages, you can handle it according to the following methods:

(1) Please clear the inbox of mobile phone text messages, delete the intercepted software, and Shut down and restart after 10 minutes;

(2) If you still cannot receive after the operation, you can put the mobile phone card into another mobile phone to rule out whether it is an abnormality of the mobile phone;

(3 ) If you have opened Palm Banking or Online Banking at the counter, you can cancel the contract and re-sign through "All-Assistant-SMS Notification-Maintenance/Cancellation" of Palm Banking or "Certificate Login-Security-Message Service" of online banking;

< p>(4) If it is unsuccessful or has not been opened, the household head can bring his/her valid ID and registered account (debit card or quasi-credit card) to cancel and reopen at any Agricultural Bank of China branch across the country. The passbook for current settlement is at It can be processed at any branch of the first-level branch of the bank where the account is opened.

There is a difference between a credit card and a debit card. The following are the differences between the two cards:

1. A credit card is a consumer credit product, which means you consume first and repay later. , while debit cards are deposited first and then used;

2. Credit cards can be overdrafted, but debit cards cannot be overdrafted;

3. Credit cards are There is a revolving credit limit, while debit cards do not have a revolving credit limit (revolving credit refers to the limit that the bank has approved for the cardholder to use, and the cardholder does not need to repay the balance in full if it is used within the limit. Yes, you only need to repay the stipulated minimum repayment amount to maintain a good credit record, and you can also use the cardholder’s credit limit again);

4. The credit card holder will pay the final If you need to repay in full before the repayment date, you may enjoy an interest-free repayment period for shopping purchases;

5. Credit card deposits do not accrue interest, while debit card deposits accrue interest at the savings rate.

6. Credit cards belong to asset business, while debit cards belong to liability business;

7. The issuance of credit cards needs to meet relevant conditions (such as the situation of the work unit, Assessment of repayment ability and review of personal credit record, etc.), while debit cards only require an ID card;

8. Credit cards have anti-counterfeiting logos and UnionPay logos, while debit cards The card only has the UnionPay logo.

Let’s stop here to introduce why credit cards don’t have text messages.