How to activate credit card SMS notification?

The method to activate the credit card SMS reminder service is as follows: Method 1. Bank counter activation process: 1. Bring your valid ID and bank card to the local bank branch; 2. Fill in an application form for business processing, and Select "SMS reminder" in the application processing column, and attach the commonly used mobile phone number that needs to be bound for receiving text messages; 3. Submit bank card, original ID card, and business application form;

Credit card How to activate SMS reminder

1. The method is as follows: (Take China Construction Bank as an example)

1. Bring your bank card and ID card and go to the bank counter to activate it.

2. Open and cancel the phone banking process: dial 95533 and select key 8 (other services), then select key 3 (SMS contract), then enter the account number or ID number, and then enter the phone banking password. Then select the 1 button (SMS activation), then enter the account number or ID number, then enter the mobile phone number, and select "Activate" to activate.

3. Ask the bank customer service 95533 for activation.

Notes on credit cards

1. Each credit card swipe cannot exceed 30% of the total amount

2. Do not swipe all the cards, but leave 10% ~20%;

3. You cannot always brush in round numbers;

4. Brushing directly from 9am to 9pm every day;

5. Brushing in the morning and in the afternoon Swipe the card no more than 3 times a day, and the interval is more than 4 hours;

6. The number of swipes per month should be more than 15 times. If the card cannot be swiped, it should be swiped more than 10 times, and the usage rate is more frequent;

7. Make a small installment every three months or so. The shorter the installment, the lower the interest! I usually divide it into 3 months. If the interest rate is super favorable, the installment may be longer. This is a personal decision;

8. Try not to always use WeChat and Alipay (except for the UnionPay platform) with this kind of machine. Use the machine instead. brush.

9. I use many cards in daily life. Here is a personal example: My mobile phone bill is 300 yuan per month. I use 10 credit cards to make 10 purchases each. The same goes for electricity bills. Each card pays 30 yuan. There are also points for answering questions, which cost one yuan each time. Credit cards can be used in Alipay and WeChat in many stores. These are things you often encounter in life, so pay more attention.

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Reference: Baidu Encyclopedia: Credit Card)

Is there a fee for credit card SMS reminder?

Whether there is a fee for credit card SMS reminder depends on the bank's Different and different.

First of all, we need to distinguish according to different banks. Some banks charge SMS fees, while some banks do not charge SMS fees. In fact, banks all charge SMS fees. The reason why they do not charge is that the annual credit card fee includes The SMS fee has been deducted from the annual fee.

Different banks charge different fees. For CITIC Bank's credit card SMS service, there is no charge for SMS reminders of more than 200 yuan, while SMS reminders of less than 200 yuan will require the "0 starting point" SMS notification to be charged. There are two types: 36 yuan/year and 48 yuan/year. Most banks basically charge according to the SMS charging standard of 3 yuan per month.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

Credit card, also known as credit card, is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

After experiencing the financial crisis and the ups and downs of the domestic economy, China's credit card market rebounded in 2010. By the end of 2010, the total number of domestic credit cards issued had exceeded 200 million. In 2010, the national credit card inter-bank transaction amount reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase.

Will there be text message reminders when credit card repayments are due?

Generally, there will be text message reminders. If some banks bind their WeChat official account, they can also receive WeChat reminders.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

Why do you receive credit card repayment reminder text messages?

If it is your own credit card repayment information, it means that you have opened the credit card repayment SMS service; if it is not your own credit card, Information, you may receive ++ information, you need to be particularly vigilant, delete the text message immediately after receiving it, and never open the text message with the link to avoid the loss of the bank card bound to you. Another possibility is that your number was recycled and resold. The number the previous owner left in the bank when he applied for a credit card was yours. After the account was closed, he did not go to the bank to change it in time, so you bought this number and then collected it. When you get the prompt message from the bank, just bring your ID card to the bank to cancel it.

Newly opened mobile phone numbers sometimes receive several repayment text messages every day. More often, they encounter problems with various online platforms that cannot be registered or have already been registered. In fact, these problems are all due to secondary delivery problems. Sometimes even if the number is newly opened, it may encounter secondary delivery.

So what exactly is secondary delivery?

Generally, if your mobile phone number is out of service and is taken back by the operator and becomes an empty number, it will be frozen for a period of time and then released again. When it comes to the market, it is called "secondary number allocation" in the industry. If the mobile phone number is not used for payment for 3 months, it will be automatically canceled. After a freezing period of more than 90 days, you can re-enter the number selection system and activate it. Telecom operators also have no way of knowing which third-party services are tied to customers' mobile phone numbers, and there is no way to eliminate them.

How should we deal with this problem?

Many times before the number is put back into use, operators can only eliminate their own customized value-added services. For mobile phone number binding, The third-party website registration information does not have permission to change. So at this time we need to manually contact the third-party platform to unbind or log out. Of course, for those who want to change their numbers and no longer need their old numbers, they must develop the habit of actively logging out and unlinking from various Internet platforms. How can we avoid the second-hand mobile phone numbers that were released for the second time? On the one hand, try to choose a number in a brand new number range; on the other hand, after selecting the mobile phone number, contact the operator’s customer service staff and ask them to help check whether the number you selected is For mobile phone numbers that are not allocated for the second time, unbind and log out of related software in a timely manner. This issue still requires us to pay more attention to it and deal with it in a timely manner. Because there are currently many promotions of credit card and other loan platforms, good and bad are mixed. If we encounter such a situation, we can contact the relevant bank customer service in time or go to the bank front desk to cancel.

That’s it for the introduction of credit card SMS reminders.