Will the debit card expire?

The card will expire only if there is no funds and it has not been used for three years.

Details are as follows:

1. Bank debit cards will charge an annual fee of 10 yuan. If the average daily deposit balance is lower than the stipulated amount in 300 yuan (some banks stipulate 500 yuan), a small account management fee will be charged, and 3 yuan will be charged every quarter.

2. If the charge in the card is 0, the arrears will be accumulated in the banking system until the customer cancels the card actively.

3. Some banks, such as CCB, will set the card status to "account cancellation" after two years of arrears, and some banks, such as ICBC, will accumulate arrears.

4. At present, the personal credit information system has not included the annual fee owed by debit card and the management fee owed by small account into the system. Once it is included in the system, it will produce bad credit records. It is suggested that debit cards that have not been used for a long time must be cancelled.

Don't trust the tips of short messages easily. You can go to the bank to confirm that the debit card can be used normally as long as you don't owe money. Debit cards generally have no expiration date!

Extended data:

Ease of use and popularity: Debit card is one of the most commonly used payment tools in e-commerce because of its ease of use and wide popularity. More than 20 million outlets around the world accept signature debit cards from some international brands. Ease of use is one of the reasons why debit cards are becoming more and more popular.

Debit card can not only save you the trouble of carrying cash, but also be convenient to use and pay quickly. The monthly statement (or statement) can clearly show all transaction records.

Safe and reliable: Debit cards are as safe as credit cards. If your debit card is lost or suspected of being stolen, you should report the loss to your bank immediately to prevent others from stealing and reduce losses. Remember: the issuing bank provides you with consumer protection, which does not mean that you can care about your debit card; Debit cards, like money in bank accounts, should be properly kept.

Card storage: Once a debit card is lost or stolen, there is a risk of being fraudulently used or forged. The card should be kept as cash, and it should not be placed at will, let alone lent to others. Identity documents and debit cards should be kept separately.

Password protection: Some debit cards require the cardholder to set multiple passwords such as transaction, withdrawal, inquiry and login. It should be noted that the transaction and withdrawal passwords cannot be the same as other passwords.

Password settings should be easy to remember but difficult to decipher, for example, don't set your birthday or several consecutive or identical numbers as passwords. Don't tell the password to anyone, including bank personnel, police, etc. When entering the password for credit card withdrawal, you should pay attention to covering it with your hands and body.

Information protection: Pay attention to the protection of debit card number and ID number. And don't throw away written materials or credit card documents filled with personal information at will. If personal information changes, you should inform the bank in time to keep in touch with the bank.

Report the loss in time: If you find the card lost or stolen, you should immediately call the bank customer service phone or report the loss at the nearest bank outlet. If you need to report the loss of password, you can handle it through bank outlets, telephone banking and other channels; If you need to change your password, you can do it through bank outlets, ATMs and other channels; If you need to reset your password, please go to the bank outlet.

Please take good care of your debit card. If it is lost, stolen or embezzled, please immediately apply to the telephone banking customer service or business organization for loss reporting. Do not give or lend your debit card to anyone. Never put debit cards near magnetic objects, including electronic products such as mobile phones; Please keep your debit card and ID card separately.

References:

Baidu encyclopedia-debit card