Is there a charge for cancellation of long-term unused bank cards?

Whether to charge for the cancellation of bank cards that have not been used for a long time needs to be discussed in different situations:

1, some banks charge for card refund.

For debit cards that are not traded for a long time, it is a common practice for banks to automatically convert them into "sleep card". If there is no balance in the account and the cardholder does not take the initiative to cancel the account, the bank can automatically cancel the account. But there is no uniform standard for bank account cancellation. For example, Industrial and Commercial Bank of China automatically cancels the account of the card with arrears of one and a half years, Agricultural Bank automatically turns the account with arrears of 18 months into a "sleep account", and China Bank cancels the card of the account with zero balance and unused for three years.

Unless the customer cancels the account voluntarily, if the customer uses the idle savings card again, the bank will deduct the annual fee and the small account management fee owed before.

2. Seven banks including China Merchants Bank, CITIC, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Bank of Ningbo and Bank of Beijing are exempt from annual fees.

The State Development and the China Banking Regulatory Commission jointly issued the Notice on Printing and Distributing the Catalogue of Government-guided Prices of Commercial Banks. The Notice clearly stipulates that commercial banks should provide accounts free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts) according to customers' applications.

ICBC, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications all charge an annual fee of 10 yuan for ordinary debit cards, while China Merchants Bank, CITIC, Shanghai Pudong Development Bank, China Everbright Bank, China Huaxia Bank, Bank of Ningbo Bank and Beijing Bank are exempt from the annual fee. If the customer actively cancels the account in the bank, the cancellation fee is also 0 yuan.

Bank card cancellation process:

If you don't want to use a bank card, you can directly go to the bank counter to cancel your account with your identity certificate and bank card:

1. The cardholder brings relevant certificates to the bank counter to verify his identity (mainly to confirm that the bank card holder himself cancels the account).

2. Enter the bank card password to confirm that there is no balance in the bank card account. If there is still a balance in the bank card, the cardholder can choose to directly withdraw or transfer to other bank card accounts to complete the bank card account settlement.

3. Cancel the bank card, and cancel the online banking and bound mobile phone number associated with it.