What does bank messenger rollover mean, what does bank rollover mean

The extension of the messenger service of the bank card refers to the self-renewal and re-customization of the messenger function before the expiration of the bank card. Generally speaking, through the function of bank card messenger extension, we can extend the required messenger service, which is the so-called extended use time. If you renew during the extension period, the system will automatically display the relevant fees according to the current ***, and the expiration date of the original service can be extended after you select the time and enter the payment password successfully.

If the original service has expired, you will need to recustomize.

Extended information: Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to be issued to the public. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space.

The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.

Bind the business. 1. Judging from the contract signed by the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change to the original contract, which should be agreed upon through consultation with the consumer and minimize the adverse impact on the consumer. Bank card replacement behavior will lead to many inconveniences for consumers, such as card replacement is time-consuming and labor-intensive, and the original binding transaction needs to be readjusted due to the change of card number.

2. It should be reminded that although many banks have launched the "core change without number change" service, it is only for some bank cards and customer groups. A number of banks remind that the card number will be changed at the same time as the card is replaced, and the public should pay attention to the fact that some of the businesses bound to the bank card need to be re-handled, such as water, electricity, gas, housing loans, car loans and other withholding businesses, as well as the bound credit card account, Alipay account, ** account, etc., must be re-handled as soon as possible.

The type of card. Classification method.

In general, bank cards are divided into credit cards and debit cards according to whether the credit line is granted to the cardholder. In addition, bank cards are ok.

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic card and overseas card;

According to the different issuance objects, it is divided into individual cards and unit cards;

According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

A bank messenger can send a message to your mobile phone about changes in your account balance.

A service that is generally charged, such as every 12 months. Rollover means that the bank will automatically extend your term after it expires. If it is charged, the bank will automatically deduct the fee.

A bank rollover refers to a loan rollover.

Refers to the extension of the borrower's deferred repayment for the time being.

1. Bank extension generally refers to the extension of the loan, when the borrower encounters financial difficulties in repaying the loan and cannot repay the loan in time, then the repayment time can be temporarily extended by applying for a loan extension.

2. In addition, the extension period of the loan plus the original term does not reach the new expected annualized interest rate.

In principle, the expected annualized interest rate floating level after the extension of the loan must be higher than the expected annualized interest rate floating level of the original loan, and the maximum shall not exceed the People's Bank of China.

Prescribed ceiling on the expected annualized interest rate of the loan.

3. Loan extension. Customers who are unable to repay the loan on time should apply for loan extension to the bank before the loan maturity date. Secured loans.

To apply for an extension, a written certificate that the guarantor of the loan agrees to the extension and continues to guarantee the loan should also be issued.

4. The extension of the loan shall not be lower than the original loan terms. The extension of the short-term loan shall not exceed the original loan term; The extension of the medium-term loan shall not exceed half of the original loan term; The long-term loan may not be extended for a maximum of 3 years. If the customer does not apply for an extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Extended Materials. 1. About the rollover.

1) The extension period is the postponement of delivery, reducing the suspicion and reducing the floating loss. The National Reserve has adopted a rollover on London copper. After the spring period, there will be a rollover gain and a rollover loss. The rollover profit or loss is determined by the spread between the contracts. Basis.

The size directly reflects the rollover effect, or the size of the rollover profit and loss.

2) Due to the difficulty of capital turnover, the enterprise cannot repay the bank loan on time.

Submit a request to the bank for a postponement of loan repayment in advance, and the bank will agree to extend the loan period on the condition that the extension period cannot exceed half of the original loan term if it is a medium and long-term loan.

3) If the borrower is unable to repay the loan principal on time due to capital turnover difficulties during the loan period, and meets the conditions stipulated in the extension period, under normal circumstances, the lender shall submit the loan to the lending bank 30 working days in advance.

Apply for an extension. 2. About loans.

1) A loan is a loan of monetary funds by a bank or other financial institution at a certain interest rate and on the condition that it must be returned.

A form of credit activity. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds. By lending money and monetary funds to the bank, the bank can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development, and at the same time, the bank can also obtain interest income from loans and increase the bank's own accumulation.

2) The loan method is the way in which the bank issues loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, guaranteed loan and bill discounting.

A line of credit is a loan made solely on the creditworthiness of the lender; Secured loans refer to guaranteed loans, mortgage loans and pledged loans; Bill discounting refers to the lender's purchase of the borrower's outstanding commercial paper.

The loan can be regarded as a special form of pledged loan. At present, there are three types of credit funds in China, namely, direct lending, indirect lending, and buying and selling loans.

ICBC Courier Extension refers to the automatic extension of the courier service period on a monthly or annual basis to ensure that you can enjoy the courier service at any time. After the rollover is successfully deducted, an SMS notification will be sent to you.

The ICBC credit card courier fee is currently 3 yuan per month, and the extension means that the service will automatically renew the courier service period on a monthly or annual basis. After the rollover fee is successfully deducted, an SMS will be sent to the customer's mobile phone. If you receive a reminder that the messenger will roll over the period of 3 yuan, then the fee should be deducted on a monthly basis, so 3 yuan will be deducted.

If you apply for an annual deduction, then it should be a one-time deduction of 30 yuan. The specific charge** is set by the local branch itself, and whether the fee is charged is subject to the page displayed in the system signing.

The analysis is as follows: 1. ICBC Courier Extension is a fee-based service, which is charged every 12 months, and a one-time deduction of 24 yuan is made.

2. It has been 12 months since the last payment of the extension, and ICBC has automatically renewed the fee for users.

3. It uses SMS to send financial information, account information, and important reminders to users. Gift reminders, balance changes and other information, so that users can know their own fund status anytime and anywhere.

This is the ICBC ICBC messenger bank card balance reminder business, if it has expired or not, you can self-operate the extension business of this business.

You are charged every 12 months and can send a message to your phone about changes in your account's balance. The rollover period is 12 months since you last paid the fee, and ICBC will automatically renew it.

ICBC's fees: courier fee, courier extension fee, annual card fee, and annual card extension fee.

Bank messenger extension is a self-service renewal and re-customization function before the messenger function is about to expire. ICBC courier extension deduction refers to the fee deducted from the automatic renewal after the expiration of the SMS reminder business, and the courier extension is the bank card balance SMS notification messenger is a charging service, which charges a large freight every 12 months.

ICBC provides the courier service for corporate customers, and customizes the balance reminder service for the corporate correspondent account to which the enterprise belongs, and when the specified balance changes, the designated mobile phone can receive SMS notification. To use this service, you must pay the ICBC courier service fee separately, and the specific fee can be found in the "Industrial and Commercial Bank of China Electricity Leakage and Subsidiary Banking Business Charging Standards". The fees paid for the termination of the service in the future will not be refunded, and the account reminder service is a reminder service provided by ICBC through SMS when the account balance changes.

It is necessary to ensure that the reserved mobile phone number and other information are accurate, and if the mobile phone number is changed in the future, it should be modified in time. ICBC shall not be liable for any failure to receive or confidentiality due to the incompleteness or inaccuracy of the reserved information, or the failure to receive the information or the loss of confidentiality due to communication or force majeure during the sending process.

Greatly reduce the operating costs of banks and effectively improve the profitability of banks. The establishment of online banking business mainly uses public network resources, and does not need to set up physical branches or business outlets, which reduces personnel costs and improves the efficiency of the bank's back-office system. There is no time and space limitation, which is conducive to expanding the customer base.

Online banking breaks the geographical time constraints of traditional banking by providing financial services to customers anytime, anywhere, in any way, which is conducive to attracting and retaining high-quality customers, while also actively expanding the customer base and opening up new profits**.

It is conducive to service innovation and provides customers with a variety of personalized services. The sale of financial products such as insurance** and ** through bank outlets is often very restricted, mainly because it is difficult for general business outlets to provide customers with detailed and low-cost information consulting services. Using the Internet and bank payment system, it is easy to meet the needs of customers to consult, purchase and trade a variety of financial products, in addition to handling banking business, customers can also easily buy and sell ** bonds online, etc., online banking can provide customers with more suitable personalized financial services.

Bank messenger is a service that can send a message to your mobile phone about changes in the balance of your account, and it is generally charged, such as once every 12 months.

Extension refers to the automatic extension of the bank after the expiration of the use period. If it is charged, the bank will automatically deduct the fee.

Fees charged by banks for information services that send various financial and accounting information to customers by SMS and email. Currently, most banks do not charge this fee, but a small number are already charging courier fees.

Messenger service extension refers to the self-renewal of customized functions before the expiration of the customized messenger function.

This function allows you to extend the required messenger service by selecting a time and entering a payment password. At the time of rollover, the system will display the relevant fees according to the current ***, and the expiration date of the original service can be extended only after the payment is successful.

The messenger rollover reminder is as follows:

1. Financial information: extend the service period of customized information, foreign exchange market information, net worth information and treasury bond yield.

5. Customized electronic statement delivery service: extend the service period of customized comprehensive statement or bank account statement.