Will the bank inform the cardholder if it freezes the bank card?

After the bank card is frozen, the bank will arrange staff to inform the cardholder. When you open an account, you will generally open the SMS reminder function. If you have any questions, you will be informed by SMS; Of course, there will be questions from netizens. Without SMS reminder, the bank will certainly not inform you and call you, but it is best to turn on SMS reminder function, because some staff may forget to call you to remind you.

UnionPay cards of rural commercial banks are universal in China, and they can be used as long as they are UnionPay machines. If you don't have a UnionPay card, you can only use it in this province.

Rural commercial bank cards with UnionPay logo can withdraw money from bank ATMs all over the country. Depending on the bank of the card, the fees charged for inter-bank withdrawals in the same city, inter-bank withdrawals in different places and inter-bank withdrawals in different places are also different, generally between 0.3%- 1% of the withdrawal amount. Peer withdrawals are free.

If there is a balance in the savings card of rural commercial bank, the interest on the balance will be calculated according to the bank's deposit interest rate, but the interest on demand deposits is relatively low, and depositors have no obvious perception when the balance in the card is small.

The interest of demand deposit is generally calculated according to the actual number of days of deposit, but there are certain rules for the value, that is, the interest is calculated on the 30th of each month and the 30th of each year. The calculation formula is: current deposit interest = deposit amount × (current annual interest rate ÷360)× deposit days. Among them, the interest rate is calculated according to the current interest rate listed on that day, and the deposit interest rate of each bank is also different, all of which fluctuate on the basis of the benchmark deposit interest rate of 0.35%. The settlement date of current interest is basically the same for all banks, which is the 20th of each quarter.

For example, if the balance in the savings card of Beijing Rural Commercial Bank is 5,000 yuan and the deposit interest rate announced by Beijing Rural Commercial Bank is 0.3%, then the expected interest income after 30 days of deposit is: 5,000 * (0.3% ÷ 360) * 30 =1.25 yuan.

Bank card transaction details exist objectively, and banks do not provide deletion service. Where the income and expenditure details of the bank card cannot be deleted, you can find the cardholder's and cardholder's ID cards. However, there are many banking businesses, and banks will handle information clearing business regularly. Once the system automatically clears the details, the cleared details can no longer be found.

If the user deletes the transaction details through the consumption platform, it means that the user has deleted the transaction records on the consumption platform, but the transaction details recorded in the bank cannot be deleted. The flow direction of the bank card will also be displayed. If the cardholder wants to print the transaction details of the bank card, he can go directly to the issuing bank to handle related business.

Judging from the management regulations of the issuing bank on bank cards, the transaction details of bank cards cannot be deleted, and the bank has not provided the cardholder with the right to delete them. Moreover, UnionPay will charge according to inquiries and loans, so every transaction of customers will be recorded and queried when necessary. The transaction records of bank cards can only be deleted after account cancellation, and new records will be overwritten after a long time.