You'd better cancel it, so as to avoid some unnecessary expense losses.
When the bank card is used normally, it is very concerned by the owner. After all, losing it will increase the trouble of reissue it. But when it is idle, many people choose to put it in a dark drawer and ignore it. This is because many people think that ordinary bank cards have no overdraft function. Although ordinary bank cards, that is, debit cards, have no overdraft function, some bank cards have an annual 1 yuan fee, or handle the SMS reminder business. As long as the cards are used normally, there will be a deduction, and when the balance is less than the deduction, there will be an overdraft.
This will lead to the situation that we owe money to the bank and don't know it. We may not feel any impact for a while, but when we need to handle some business, we may delay the time because of the arrears, and secondly, we may be unable to handle the business due to credit problems. Therefore, if the bank card is not ready to be used again, it is better to cancel it quickly, and don't wait for something to happen and regret it.
except from our own point of view, it is necessary to cancel unused bank cards in the bank, which is also very beneficial to the bank. According to statistics, about 2.1 billion bank cards in China are redundant, and various banks have taken various measures to solve this problem. In addition to dealing with these redundant bank cards, it wastes manpower and material resources, and each bank card will increase the management cost of the bank. The small account will have at least 3 yuan every quarter, and if there is SMS service, 2 yuan will be added every month.
to sum up, ordinary bank cards, that is to say, debit cards, should be cancelled when they are not used, and the balance should be withdrawn and the annual fee owed should be paid off. It is safest to do so. If you have a bank card that is idle, you must cancel it as soon as possible in order to avoid being deducted from the annual fee and management fee. What's more, if criminals steal your bank card and signal card, it will inevitably bring you an accident. Idle credit cards need to be treated with more care. After all, the annual fee of credit cards can be overdrawn, and the risk is even greater. In China, if the credit card owes a penny, and it is overdue to pay it back, it will not only be a penny, but the available limit of your credit card, which is likely to be tens of thousands of yuan.