If the bank card is not used for a long time and is not cancelled, the consequences are very serious.

Wechat binds the bank card, Alipay needs to bind the bank card and receive the salary to specify the bank card! In short, you need a bank card if you don't agree. However, what will happen if the bank card is not used for a long time and there is no money in it?

Opening a bank card will generate the following fixed fees: 5 yuan (some chips are stuck within 10 yuan), annual fee 10 yuan, and at least 3 yuan's small account management fee every quarter, totaling at least 27 yuan. Excluding the production cost, at least 22 yuan will be needed every year from the second year.

If SMS service is launched, it will be at least in 2 yuan every month, 24 yuan all year round, and the total of the three items will be at least in 46 yuan. Even if the card is not used for a long time, the balance in the card is zero, and the above expenses will be calculated correctly. When there are funds on the card, they will be deducted together.

Some people say that since August 1 this year, the central bank has issued the Notice on Suspension of Basic Service Charges of Financial Institutions, in which the annual fee and small account management fee were cancelled. But please remember, you must go to the bank to confirm the "double exemption" account in person, otherwise you will continue to collect.

Because you haven't used your card for a long time, you naturally didn't go to the bank to confirm it. Of course, what you received is correct. If you have multiple cards, you can only throw away one. Other bank cards cannot enjoy free service.

Then, what happens if the bank card is not used for a long time, there is no money in it and it has not been cancelled?

The bank will help you freeze and close your account.

Since the beginning of this year, banks have been strengthening the management of sleep card, because there are too many idle bank cards in everyone's hands. Across the country, the number of idle cards exceeds 2 1 100 million. Therefore, the bank has taken measures to clean up.

Previously, China Merchants Bank announced the protection of account security. From July this year 15, the unqualified long-term unused personal account with zero balance will be cancelled.

What is a double zero card?

"Double zero card" refers to a bank card with zero deposit balance, accrued interest and accrued interest.

CCB said that if the bank card is not used for a long time, it will indeed become a "sleeper" and it will be impossible to handle non-counter business. If the balance in the card is zero, it may be cancelled after sleeping. "If you lose it, you'd better reissue one. It is not a Class I card to get a new card directly. "

Because of the regulations of the central bank, people can't open a new class account when they open a class account in the same bank, but only a class account and a class account. The latter two types of accounts are not as good as other types in the scope of use, and daily consumption and payment are also limited, which is extremely inconvenient.

Some staff will tell you that it doesn't make any difference if you lose a useless card or cut it in half with scissors. In fact, it is. Don't do this.

No, it's better to cancel, because if the same bank opens a second card in the same place, it will be affected by the first card, and some businesses will not be able to do it. Although there is a solution, it is very troublesome!

It is a trivial matter that the savings card is frozen. If the credit card is frozen, you should pay attention. After the credit card is frozen, it can't be used. Although you can't use a credit card for transactions, there will still be an annual fee because there is no account cancellation.

So in order to avoid this phenomenon, if the credit card is frozen and there is no debt in the card, it is best to cancel the credit card. However, if you want to continue to use your credit card, you must know the reason why your credit card has been frozen, and then find a way to unfreeze it.

The existence of a large number of "sleep card" not only seriously wastes bank resources, but also brings many influences to cardholders.

There are five hidden dangers in "sleeping card"

The seemingly harmless "sleep card" actually has many hidden dangers.

Hazard: affect personal credit record.

As long as the credit card application is approved, issued and activated by the bank, it will appear in the cardholder's credit report. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.

Hazard: increase the cardholder's expenses.

Some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which increases the expenses of the cardholder.

Hazard: increase the risk of brush theft.

"sleep card" has been sleeping for a long time, that is, N.

As a result, the management resources of banks are wasted, and long-term fixed accounts become the risk points within banks.

Check your bank card!

Related Q&A: Related Q&A: Does the failure to sell bank cards affect cardholders? When you go to the bank to close your account, the teller tells you that you will automatically close your account after two years without using it. Don't be fooled. Most bank cards will not be closed automatically. If you don't close your account for a long time, the bank card is likely to keep deducting money, and finally you will even owe the bank various fees.

As a bank employee, I tell you an important thing: most bank cards cannot be cancelled automatically. Only a few "innocent" bank cards will be automatically cancelled if they are not used for two years.

What is a "clear" bank card?

There is no binding agreement, and no bank card has been opened through any charging items.

In fact, all the bank cards we open are used for some purpose. Once the agreement is bound, or the bank debit service is opened, the bank card will not be automatically cancelled.

If you don't use it for a long time and don't cancel your account, the bank card will always charge and even owe the bank money.

If the bank card is not used or cancelled, it is likely to owe the bank money.

First of all, what items will be deducted from a bank card?

1. Annual fee

Not only are credit cards free, but some special bank cards also generate annual fees.

For example, financial platinum cards issued by some commercial banks charge an annual fee. This card is similar to the credit card model. If you don't reach the number of uses a year, you will have to charge an annual fee of several yuan to several tens of yuan.

2. Small management fee

Like the six major state-owned banks, they basically charge small management fees.

Bank of China, whose average daily balance is lower than that of 500 yuan, charged a small management fee from 3 yuan in the first quarter.

China Construction Bank, whose average daily balance is lower than that of 300 yuan, charged a small management fee from 3 yuan in the first quarter.

ICBC, whose average daily balance is lower than that of 200 yuan, charged a small management fee from 3 yuan in the first quarter.

The average daily balance of the post office is less than 100 yuan, and a small management fee was charged in 3 yuan in the first quarter.

Like other small banks, a large part of them also charge small management fees. Basically, it is 3 yuan in the first quarter, one year 12 yuan.

And this small management fee will be deducted as long as your balance is not up to standard. Even if there is no money in your bank card, you will continue to deduct money. At this time, your bank card, in the banking system, will show the status of arrears.

3. SMS reminder service fee

Most banks charge for SMS reminder service. And the charging standard is basically the same. 3 yuan for a month. One year, one year in 30 yuan.

I miss your bank card. If there is more than one hundred dollars in it, I won't use it for long. It was deducted in a few years. And will continue to deduct. Your bank card is money owed to the bank.

If you want to use this bank card in the future, you must make up the fees you owe before you can activate it.

If you don't use a bank card and cancel your account, it will also affect your opening of a new card.

The central bank has long stipulated that a person can only have one card in a bank. You can handle the other three cards, but they are all second-class cards.

What is a bank card?

Generally speaking, there is no limit to saving money, withdrawing money and transferring money.

What is a second-class bank card?

Deposit and withdrawal, transfer, one-year limit of 200,000, one-day limit of100,000.

Now, like many units, employees are required to apply for a salary card, which clearly indicates that they want to apply for a type of card. If there was a first-class card before, you can only make a second-class card. This virtually increases your own troubles.

If the bank card is not sealed, it will be used by criminals, and you may face criminal punishment.

Many people's bank card password settings are particularly simple. For the convenience of memory, it is either 123456 or six identical numbers.

I lost my bank card and didn't report the loss for cancellation. It happened to be picked up by someone else, and coincidentally, you tried the password within three times.

Then you are really a tragedy.

Criminals are likely to use your bank card to carry out some criminal activities such as money laundering.

The central bank's "Card Breaking Action" clearly stipulates that as long as an individual owns a bank card and participates in illegal and criminal activities such as money laundering, all bank cards under that name will be restricted from over-the-counter transactions for five years.

If the consequences are more serious, they will face criminal punishment.

You said you were wronged and didn't do anything illegal. Then you need to go to the police station to complain and provide evidence that you have not committed crimes.

Spare no pains, spare no pains and spare no time.

Some people may say that there is no such coincidence. This probability is very small, but what if there is a ghost? So, don't leave hidden dangers for yourself.

The best way to cancel unused bank cards is to cancel them.

Bank cards are not used for a long time and are not cancelled. Probably because of the detained project, the bank has been deducting fees and finally owes the bank money.

This will give you a new card in the future, causing unnecessary trouble.

In addition, bank cards are not used and cannot be discarded at will. In case the criminals find it and crack your password before using it, you will be really worse than Dou E.