When opening a bank cardThe bank lady always asks us if we want to enable SMS notifications. A lot of people think that enabling SMS notifications will help us better manage our money and make our money safer, and we have done so and have turned it on.
But many people don't know that activating SMS notifications has been replaced by other, more convenient and free ways. And there are still some risks associated with SMS notifications, and a lot of people lose a lot of money.
What are the risks of SMS notifications? What has it been replaced?
When applying for a bank card, the staff will ask us if we want to turn on SMS notificationsIn this way, we can receive SMS notifications regardless of whether there is a deposit or a deposit. Bank card withdrawals, more convenient fund management.
The security of the bank card is also better guaranteed. If your card is opened for some reason, you will be notified. And if you find out that someone has stolen your bank card and spent money, you'll get it right away. Information.
There are a lot of mobile phone scams nowThis also leads to the risk of your card being stolen, so everyone needs to activate SMS notifications.
Activating SMS notifications only costs a few per month. It sounds trivial, so a lot of people activate it.
Because they thinkA few dollars a month can make your account more secureIf you don't open it, you can't get the debit card information in timeI don't want to worry about a few. The yuan will make you lose a lot of money.
SMS function activation,It also brings a lot of income to the bankAnd there is no risk to this incomeOne person can activate it for a few dozen dollars a year, and a hundred people can activate it. That's a few thousand. Banks also make a lot of money every year on text messages.
But now many people say that SMS reminders are inconvenient and will cause property damage. Why is that?
Turn on SMS notificationsAlthough the annual cost is a few dozen dollars, butLooks like a small amount of money.
Nowadays, many people apply for several or even dozens of bank cards. When there are more cards,Some cards are easy to ignore or not use.
But the card is useless,SMS notifications keep reducing your moneyA lot of people ignore thisLost a lot of property, their bank card and the money in my account was kept reduced but I don't know why. In fact, a large part of it is due to SMS fees.
And now there are a lot of mobile phone scams,A lot of ** send fake bank text messages to users and send you links to click.
A lot of people mistakenly think it's a text message from the bank and click on it. When you click on it, they scam you and cause damage to their own property.
Therefore SMS should not be activatedIn addition, now that electronics are developing rapidly, there is no longer a need for SMS to help. As long as you keep an eye on your account, you can ** the corresponding software.
For example, if you apply for a bank card,You can add your bank's app** to your phone. All your information can be seen in the app. Including your transfer records, the banking app also reminds you, which is much more convenient.
If you don't want to **app,You can also check your card details at any timeNow basically everyone has WeChat.
There is a bank's *** in WeChatIn *** we can also see our bank card details and also know everything.
So SMS notifications don't need to be activated. It's perfectly possible to replace it with something else free, but you can't give up on SMS notifications.
Because there are a lot of apps and WeChat that the elderly can't understand*** for themSMS notifications are more convenient.
In addition to bank card SMS notificationsThere are also people who are confused about whether the bank card inserted into the mobile phone is demagnetized.
There is a magnetic stripe on the back of the card. This tape stores the card number and account information. It is often said that if you connect your bank card to your phoneThe magnetic field of the mobile phone affects the bank card, causing it to demagnetize.
Many people who are used to keeping their bank cards in their phone cases panic about thisBut in fact, today's mobile phones do not affect the magnetic stripe of the bank card.
While some parts of the phone have magnetic fields, they are not strong and do not affect bank cards.
In the past, mobile phones were not as advanced as they are nowIt has an impact on the bank card, because the mobile phone speaker used to have a strong magnetic field, and the bank card and the mobile phone may be demagnetized if they are kept together for a long time.
Now the mobile phone speaker has no magnetic field, and its design is also at the bottom of the mobile phone, and it has no effect on putting the bank card behind the mobile phone.
And now there are fewer and fewer magnetic stripe cards, which have been gradually replaced by chips, because the life of magnetic stripe cards is not as long as that of chip cards.
If the magnetic stripe card is used too many times, it may demagnetize and can no longer be used. It will be very difficult to apply again.
But the chip card does not, when the card is not damaged, it can be used all the time, and the storage capacity of the chip card is hundreds of times larger than that of the magnetic stripe card, and the chip card is more secure and higher.
The only drawback may be that the chip card is higher than the magnetic stripe cardBut it's durableThere is no need to change too many times.
It can be seen that bank cards have developed, and both information notification and card security have been improved.
However, banking services are still confusing. For example, if you go to the bank to withdraw money, you will be asked what you are going to do with the withdrawal, and many people are not satisfied with this.
When we withdrew too much money from the bank, the aunt at the bank asked us why we were withdrawing.
Some people may think that I can withdraw my money at any time, so why should I tell you? But banks require this to protect our assetsBecause most people don't withdraw much moneyWhen you withdraw a large amount of money, you may be taking risks.
Banks must ensure that funds are not used for illegal activities. Nowadays, when many people do business with others, it is easy to be deceived into doing illegal things. If you withdraw money to do something illegal, the consequences are very serious. Seriously, so the bank has to ask.
And now there are a lot of frauds, and many people are deceived by ** and go to the bank to withdraw money and give it to **. Even if you call the police, it's hard to tell if you've been scammed. Quantity.
At present, there are many money laundering crimes that are the focus of attention. Banks want to ensure the safety of their customers' assets and the safety of society, so they have to ask.
Everything the bank does is designed to keep our assets safe. Whether it is SMS notification, bank card exchange, and withdrawal inquiry, it is for the benefit of the people.
In this era of rapid development of information technology, there are also many technologiesAs the saying goes,I'm afraid that ** is literate, so be sure to pay attention to safety. Our property.
Times are moving forward, and the features we used to use often have been replaced by more convenient programs, so we have to keep up with the times.
However, some still need SMS notification functions, such as the elderly can't keep up, so it is more convenient to use familiar services.
We need to take care of our money, especially our bank cards. Don't be fooled. It is not uncommon for bank cards to be defrauded. We need to take care to protect our property.