Your attention is my accelerant, pay attention to it, learn more about finance, learn about finance, and understand finance.
When we open a card, we usually ask if we need to turn on SMS notifications. SMS notifications allow us to manage funds conveniently, and receive timely information about bank cards, increasing the security of funds. There is also a fee to enable SMS notifications, which is a small amount, but many people still consider it a necessary cost to protect the security of their assets. In addition, banks also receive a lot of income from this service. However, more and more people are now questioning the convenience and security of SMS notifications, believing that other free alternatives are more convenient and practical. They believe that the presence of SMS notifications is unnecessary and may pose some risks.
It's worth noting that when we apply for multiple cards, some of them may be overlooked, or some of them may no longer be used. However, these cards still deduct the cost of SMS notifications, which can easily be overlooked, resulting in the loss of property. In addition, mobile phone scams are a frequent occurrence these days, with scammers sending fake bank text messages to lure users into clicking on links. Many people mistakenly think that this is a text message from the bank, and once clicked, they will be defrauded of the property. In contrast, modern electronic products no longer need to be assisted by text messages, and we can pay attention to the dynamics of the account at any time through the **bank app or follow the bank's WeChat***. These tools can easily view bank card information, transfer records, etc., and can also provide corresponding reminder services, which is more convenient and practical. Therefore, SMS notifications are not necessary and can be replaced by other free methods.
In summary, there are two main reasons why the use of SMS notifications is becoming less and less popular: first, there is a cost, and for some cards that are no longer used, the cost may be ignored and cause property damage; The second is the issue of security, mobile phone fraud cases are frequent, and users are easily defrauded of property by fake bank text messages. At the same time, with the development of information technology, modern electronic products provide more convenient and practical alternatives, such as banking apps and WeChat, etc., making the SMS notification function no longer necessary.
There is concern that putting a bank card with a mobile phone will cause the magnetic stripe of the card to degauss. In fact, modern mobile phones do not have an effect on the magnetic stripe of bank cards. Although some parts of the mobile phone have a magnetic field, this magnetic field is not strong and has no effect on the bank card. Some phones in the past, especially when the speakers had a strong magnetic field, did have an effect on bank cards. However, the speakers of modern phones no longer have a strong magnetic field, and the design position is also at the bottom of the phone, so placing the bank card behind the phone will not have any effect.
In addition, there are fewer and fewer bank cards that use magnetic stripes, which are gradually being replaced by chip cards. Magnetic stripe cards have a short lifespan, and too many times of use can lead to demagnetization, which can lead to no further use. Chip cards, on the other hand, have higher storage capacity and security due to the use of chips for storage, which will not be affected by demagnetization and have higher durability. Despite the higher cost of chip cards, banks generally prefer to issue chip cards to provide a more secure payment method.
Therefore, placing the mobile phone and the bank card together will not lead to the demagnetization of the bank card, the magnetic field of modern mobile phones is not strong, and the use of chip cards has gradually replaced magnetic stripe cards. Therefore, there is no need to worry about the negative impact of the mobile phone on the bank card. However, in order to better protect your card, it is still recommended to keep your card in a special card holder or wallet to avoid rubbing against other magnetic items.
If you like it, you can follow me, share financial advice regularly, and talk to you about financial topics.