Why do bank cards need to be insured?

The bank card is required to pay the insurance card fee, which is the bank's regulation. If you have any questions, you can directly consult the staff of the one-card business hall. If you don't need more than 6 months, you will automatically cancel your card. If you don't recharge for more than 6 months, the card fee for the first few months will be deducted, so the card fee must be deducted from the bank card.

1. How to deduct the handling fee of the bank card?

Nowadays, with the development of society, many people will apply for bank cards, because it is very convenient to go out with bank cards, which can be used directly for consumption or paid after consumption, such as credit cards, but there are corresponding handling fees for handling bank cards. For example, if China Industrial and Commercial Bank wants to apply for the card of China Industrial and Commercial Bank, it needs to pay the card fee, 5 yuan annual fee 10 yuan. If you have a bank card of Agricultural Bank of China. There will also be a handling fee. 5 yuan is required to handle the card fee, and the annual fee is 10 yuan. Therefore, every bank will have different regulations, but they all charge fees. In addition to the handling fee, the bank will deduct the SMS service fee. As long as you open the SMS service function, the bank will deduct your SMS service fee every month and send you a SMS notification.

Second, what will happen if the bank card does not pay the relevant fees?

If you use a bank card, but don't pay the relevant fees, it will definitely have a certain impact. Even debit cards have an annual fee. The annual fee is not a service fee and it doesn't matter if you use it from time to time. As long as you want to cancel this card, you must make up all the arrears. If Cary's money is deducted, it won't be deducted again. You can cancel this card directly at the counter. But different banks have different rules, so it is better to pay this fee. For example, if you don't pay it, the Agricultural Bank of China will turn it into a sleep account if there is no transaction for one and a half years in a row, so that the bank card will be frozen and the system will automatically cancel the sleep account.

To sum up, you must pay the relevant fees for handling bank cards. Otherwise, once the bank has no transaction flow, it will be identified as a dormant account and automatically cancelled by the bank. Then if you want to use this card in the future, you have to apply again, which is very troublesome.