How to check whether the bank card is in arrears?

Query whether there is any arrears on CCB card by the following methods:

. Operate under opporen3 mobile phone version.

1. Log in to the personal online banking system of CCB, click "Account Inquiry Service", select the CCB card you want to inquire, and click Account Inquiry;

.2. Call China Construction Bank's national unified hotline 95533 to inquire through the self-service voice system or transfer to manual customer service; .

3. Edit the short message "the last four digits of bill # card number" to 95533, and CCB will send the latest bank bill information to the bound mobile phone number, which will reflect whether there is debt, how much debt and accounts payable;

.4. Download the mobile banking APP of CCB, log in to my account and click the bill query; .

5. The public micro-signal pays attention to "China Construction Bank", binds the bank card information, and clicks on the bill to inquire;

.6. Check with your card at any ATM or counter of CCB. .

If the bank card is in arrears, the bank will suspend some services, cancel the card or handle some other businesses, and the arrears may be recovered. The regulations of different banks shall be subject to those of the issuing bank. Ordinary bank debit cards will not affect credit. If the SMS notification fee is not deducted from the debit card balance for two months, SMS notification will be automatically turned off, and the fee will not be deducted again. If the bank card balance is 0 within 1-2 years, the account will be automatically closed, and the short message fee owed does not need to be replenished. The arrears will become invalid after a long time, and the unused bank cards will be cancelled.

How to deal with accounts that have not been used for a long time:

1. For those bank cards that have not been used for a long time, have no money and do not cancel their cards, especially those that have no money to deduct fees, the bank will not continue to calculate the fees and leave them in arrears, but will handle them through a special system. If there is no receipt and payment activity for more than one year and some households who have been motionless or sleeping for a long time, there are generally two ways to deal with it.

2. One is to directly put them into the long-term suspension account. Because the customer has not contacted the bank for a long time, there is a great risk of theft, which increases the risk control pressure of the bank. Moreover, the balance of these long-term inactive accounts is relatively small, and the profits that banks can make are relatively low, but the maintenance fee of accounts is no different from that of normal accounts.

3. Banks usually give special treatment to such long-term suspended accounts. When a customer inquires or handles business, it will show that the bank card has been cancelled. At this time, the bank card can no longer be used, and basically has lost its original function. Moreover, many banks treat those personal current deposit accounts with a balance of 10 yuan, including 10 yuan, which have not had any fund transactions for more than two years and have no business for a long time.

4. If you want to continue to use the account that has been stopped for a long time, you need the owner of the bank card to bring your ID card and bank card to the counter of the bank branch where you open the account, and some of them need to pay an annual fee and a small amount of management fee, but in general, these will not affect your personal credit information, so in general, it is recommended to apply for a new bank card without reactivation.

5. In another case, the bank directly cancels the card instead of including it in the long-term inactive account. Under normal circumstances, long-term inactive accounts are bank card accounts that have been dormant for less than three years. If it exceeds three years, it may be directly cancelled by the bank. In this respect, each bank's policy is different, which needs specific analysis.

6. At present, in the five major domestic banks, if the balance of ordinary savings cards is not enough to pay the annual fee and small account management fee, they will generally be sold to domestic customers within 1 to 5 years. However, in many joint-stock banks, these accounts that have been deactivated for a long time will not be directly closed, but can be reactivated, that is to say, they will always be kept.