What will happen if the savings card of China Construction Bank is not used for a long time?

If the bank card is not used for a long time and there is no money in it, it will not be cancelled. The bank will freeze it for you and then close the account.

From the moment the account is opened, the bank card will generate the following fixed fees: 5 yuan (some chip cards 10 yuan), annual fee 10 yuan, and the small account management fee will be at least 3 yuan and 27 yuan every quarter. Regardless of the production cost, at least 22 yuan every year from the second year.

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

There are five hidden dangers in "sleeping card"

After consulting a number of bank customer service and related industry insiders, the reporter found that the seemingly harmless "sleep card" actually has many hidden dangers:

Hazard 1: affecting personal credit records.

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 their annual fees unconsciously, thus affecting their personal credit records.

Hazard 2: increase cardholder consumption.

Some special credit cards of individual banks, regardless of whether they are opened or not, will be charged an annual fee once the cardholder signs for confirmation, which increases the expenses of the cardholder.

Hazard 3: Increase the risk of fraud.

The "dormant card" has been dormant for a long time, and it is not easy to be detected by the cardholder after being obtained by others, which greatly increases the risk of fraud.

Hazard 4: hidden dangers in trading accounts, opening accounts under false names, and opening accounts with fictitious agency relationships.

According to the public security organ's notification, in the current new telecommunication network illegal and criminal activities, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase the bank accounts and payment accounts opened by others. Personal.

Hazard 5: Control the waste of resources.

This leads to the waste of bank management resources, and long-term fixed accounts have become the internal risk points of banks.