What is the fee for the amount of money in the ICBC card below?

Hello! First of all, it depends on what type of bank card you apply for. Different cards have different annual fees. If you apply for a basic card with the starting number: 6222, the annual fee is 10 yuan. If the card balance (daily average) is less than 300, there will be a small account management fee of 3 yuan per quarter. If you have a savings plan, you can apply for a fixed investment fund and go to a nearby bank to inquire about a relatively stable one.

Extension: If your bank card is not going to be used for a long time, don’t just let it go. You must go to the bank to cancel the account. Otherwise, there may be serious consequences, which may cause you to suffer financial losses, and all bank cards under your name may not be used.

As a bank employee, today I will tell you about the possible consequences of not using your bank card for a long time and not canceling the account.

Financial losses

My family had a bank card that they had not used for many years. There was still a few hundred yuan in change left in this bank card. A few days ago, my family wanted to transfer money, so I went to the bank to check the status of this bank card.

This investigation does not matter, the angry person will be furious. The few hundred dollars in change that I had left in my bank card are now gone. The family quickly checked out the bank card details and discovered that all the hundreds of dollars had been deducted by the bank at dozens of dollars a year over the years.

Everyone must pay attention, our bank card has two charging items.

1. Small management fee

If you are in the same bank and you have more than one bank card. Except for that first-class account, all other bank cards will charge a small management fee as long as the balance is less than a certain amount. The charging standards of major banks are as follows:

1. Industrial and Commercial Bank of China: When the average daily balance is less than 300 yuan, 3 yuan will be deducted for small-amount account management every quarter and 12 yuan a year.

2. Bank of China: When the average daily balance is less than 300 yuan, small account management will deduct 3 yuan per quarter and 12 yuan per year.

3. Agricultural Bank of China: When the average daily balance is less than 300 yuan, 3 yuan will be deducted for small account management every quarter and 12 yuan a year.

4. Postal Savings Bank: When the average daily balance is less than 100 yuan, 3 yuan will be deducted for small account management every quarter and 12 yuan a year.

5. China Construction Bank: When the average daily balance is less than 500 yuan, 3 yuan will be deducted for small account management every quarter and 12 yuan a year.

6. China Merchants Bank: (Small account management fees are waived when automatic repayment is bound to a credit card) If the amount is less than 10,000 yuan, 1 yuan will be deducted per month and 12 yuan per year.

7. Bank of Communications does not have small management fees.

Through the above charges, we can see that among the six major state-owned banks, except Bank of Communications, which does not charge small management fees, the remaining five banks all charge small management fees. It costs 3 yuan per quarter and 12 yuan per year. This fee is quite expensive.

2. SMS reminder service fee

Except for some small local commercial banks, many larger banks charge for SMS reminder services, and the fees are low. Low.

1. ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications all charge monthly SMS reminder fees, which is 3 yuan a month and 36 yuan a year.

2. Postal Savings Bank’s SMS reminder fees are divided into two types: monthly fee, which is 3 yuan per month and 36 yuan per year. Annual payment: A one-time deduction of 30 yuan in advance.

3. China Merchants Bank, China Everbright Bank, and Guangfa Bank are second only to the four major banks in scale and are joint-stock banks operating nationwide. SMS reminder charges are also 3 yuan a month.

4. Local banks and small banks do not charge any fees.

And one thing to note is that if we activate SMS reminders, we will charge a fee. Regardless of whether we are using this bank card or not, the fees will be deducted every month. The bank will not charge less or no fees just because your bank card is not used and no text messages are sent to your mobile phone.

Small management fees and text message reminders may not seem like much, but they are terrifying. For example, one of your bank cards has not been used for a long time, and there is two hundred yuan in change in it. The small management fee will be deducted 12 RMB per year, and the SMS reminder will be deducted 36 RMB per year. This year you will lose 48 yuan. In a few years, the money in your bank card will be cleared.

3. Password-free payment

Many people are arrogant when they lose their bank cards, thinking that others don’t know their password anyway, so it is very safe. It would be a huge mistake to think so.

I accidentally lost a bank card before, and I also felt that it would be impossible for others to withdraw the money without knowing the password. Later, when I went to the bank counter to report the loss, I found that there was no money in the bank card. After seeing the reason, I really wanted to slap myself in the face!

Password-free payment for small amounts!

Many bank cards now enable small-amount password-free payments by default. As long as the amount is no more than 200 yuan, you can swipe the card directly on the POSS machine.

For small-amount password-free payments, the one-time limit is 200 and the one-day limit is 2,000. As long as you don't report the loss in time, your bank card will lose two thousand dollars every day. Ten thousand yuan will be paid to you in five days.

The bank account was frozen

Some time ago, a customer came to our bank and asked him why the bank card for paying social security was inexplicably frozen? As a result, his social security and medical insurance for this month were not taken away.

Our counter checked the customer’s ID card account information and found that the customer had two bank cards in our bank, both of which are now judicially frozen.

One of the bank cards was from out of town and was issued in a coastal city. The customer said that he had applied for this bank card when he was working outside, but he didn’t remember where he threw it. He hadn’t seen it in many years.

There are generally two reasons why accounts are frozen by the judiciary. One is that the money owed is enforced, and the other is that it involves money laundering crimes.

This customer expressed that he was wronged and said that he had not gone out for several years and had been selling vegetables at the local market. As for using bank cards to do anything illegal or criminal, that is absolutely not the case. Moreover, he has never had any disputes with others, and it is impossible for him to suddenly owe others money.

We asked him, what is the password of the lost bank card? This customer said that in order to make it easier to remember, the password was set to 6 ones.

The truth is very simple. It was the bank card that this customer had lost before and was picked up by someone else. Because the password was too simple, it was tried three times by others.

Then others used his bank card to conduct illegal and criminal activities such as money laundering. Then it was tracked by judicial authorities and then frozen. Perhaps because the matter was more serious, his other bank card was also frozen.

The "Card Disconnection Action" issued by the Central Bank of my country clearly states that as long as a person has one bank card that is involved in illegal and criminal activities, and the nature is serious, all bank cards in his name will be required to be withdrawn. It is frozen and cannot be unblocked for five years.

For a customer like this, if he wants to unblock his business, he can only go to a foreign judicial authority to explain the situation in person. Prove that you are not involved in illegal or criminal activities, so that the court will unblock you.

Remember to keep any bank cards you don’t use or cancel your account directly

If you have a bank card, be prepared to not use it for a long time. Or just cancel your account and nothing will happen, which is very worry-free. Or just keep the unused bank cards and withdraw all the current balances in them without leaving a penny.

In order to avoid the situation like that of my family members, there were hundreds of dollars in the bank card, but the bank debited it all within a few years.

Closing your account is also to prevent criminals from picking up your bank card and engaging in illegal and criminal activities. It will bring great trouble to your life.

You can usually learn more about banking business and respond quickly at critical moments.