How to cancel the industrial and commercial bank card

1. If you need to cancel your account debit card, you can bring your valid ID card and RMB debit card to any local and foreign outlets to cancel your account.

When canceling the card at the place where the account is opened, all branches except Suzhou, Guangdong, Tianjin, Guizhou and Zhejiang branches can cancel the card on their behalf, and the agent must submit the valid identity certificate of the agent at the same time.

If you want to cancel the card in different places, you must do it yourself, and if there is a foreign currency account in the card or an agreement is signed under the card, the discount card does not support the cancellation of accounts in different places. Note: Beijing and Shanghai branches have different regulations.

2. If you want to cancel the account, you must first make up the annual fee and management fee owed by the card before you can cancel the account. Since Cary has no money, I suggest leaving it alone and will automatically cancel it in the future. Ordinary ICBC cards are just savings cards, which are different from credit cards and will not record bad information. Because of the annual fee and small account management fee, the annual fee is 10 yuan, and the quarterly small account management fee is 3 yuan when the balance is lower than 300 yuan, so 22 yuan will be deducted for one year. When the balance in the card is deducted to zero yuan, the system will put your bank card into a dormant state after a period of time. After that, the system will automatically log off. Use it to open a new card in the future.

debit card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

credit card

Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Semi-credit card

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

Quasi-credit card is a kind of credit card with China characteristics, and there is no such credit card abroad. At the end of 1980s, China banking introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, China's banking industry carried out some reforms on foreign credit card products, changing the traditional interest-free and interest-free overdraft of foreign credit card deposits into deposit interest-bearing and overdraft interest-bearing ones.

Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, the cardholder can make a small overdraft within the limit approved by the issuing bank, but the overdraft amount bears interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption. Bank card _ encyclopedia