Will the bank card be deducted if it is not cancelled or used for many years?

The savings card will not be cancelled, and it will not be deducted all the year round, but the credit card will be deducted.

I. Savings card

1. If your card is a savings card and you haven't used it for a long time, but there is still a little balance in it, such as less than 300 yuan, then the bank will deduct a large annual management fee (generally 10 yuan every year) until it is fully deducted.

If you have SMS service, you will pay monthly. In short, as long as you have money in your card, the bank will keep deducting money until it is finished, but it will not be to the point where you owe money.

3. After all the money is deducted, if there is no transaction for six months (the term of each bank is different), it will be converted into "sleep card", and it is impossible to withdraw money or collect money. If you want to use it again, you can only go to the bank to activate it. If these accounts are not used for more than 2-5 years (the term of each bank is different), these accounts will be automatically cleared and cancelled in the banking system. For most people, the loss of money is only a small amount. So if you are a savings card, there is no money in the card and you don't have to cancel it. You don't have to worry about owing a lot of money to the bank after many years.

Second, credit cards.

If the credit card is not used or cancelled, an annual fee will be paid. If the annual fee is not returned in time, it is overdue, and there will be penalty interest after overdue repayment. The longer the time, the more penalty interest will be generated. Moreover, after overdue repayment, personal credit information will be affected, and poor credit information will affect the handling of various loans.

Safety knowledge of bank card use

1, take care to keep the password.

(1) password is the key factor to ensure the security of funds in the card. For your safety, please remember to change the initial password when using the card for the first time. When setting the card password, don't use the last 6 digits which are easy to be deciphered by others, such as my birthday, account number/card number,111123456, and distinguish all kinds of passwords used by other websites from bank account passwords.

(2) All transactions conducted by password are regarded by the bank as the cardholder's own behavior. Please keep the transaction password properly and don't disclose it to anyone under any circumstances; Don't write the password on paper or cards, lest you lose it. For the safety of your password, please cover it when using it to prevent others from peeking. If the password is used frequently, it is recommended that you change the transaction password irregularly.

2. Pay attention to keeping the card.

(1) For cards handled by others, check whether the card number and name are consistent with the information on the receipt, change the initial password in time, and properly keep the card to avoid unnecessary disputes or theft of the card.

(2) The bank card can only be used by me, and it is not allowed to be rented or lent. If your card is not properly kept or lent to others, it may lead to the illegal recording of card track information and the loss of funds in the card.

When trading with a card, please don't let the card leave your sight, and take it back in time after use to avoid misuse or replacement of the card.