1. Credit card handling fee. Credit card processing fee, also known as "credit card rebate", is the most important source of profit for credit card business of domestic banks at present. The cardholder completes the transaction by using the credit card at the merchant, and the merchant has to pay the cost, that is, the so-called credit card handling fee.

2. Interest income. Interest income, which is often called "penalty interest income", is also an important source of profit for banks in credit card business. When the cardholder fails to repay the loan on time, it will be recorded as overdue, and the bank will charge interest.

The hidden danger brought by idle savings cards is the problem of deduction. Some bank savings cards need to deduct annual fees or small management fees. If there is change in the savings card, the bank will deduct the fees until it is in arrears. Secondly, a lot of personal information is registered when the bank card opens an account, such as name, address, mobile phone number, ID number, and so on. If the savings card is not used for a long time and is not cancelled, it will be easily used by criminals, resulting in the theft of personal information.

unlike savings cards, credit cards are closely related to cardholders' personal credit information, which needs special attention. Most credit cards will charge an annual fee, and even some credit cards will generate an annual fee even if they are not activated. Therefore, long-term idle credit cards are prone to the problem of annual fee arrears, which affects personal credit information.

after receiving the customer's credit card cancellation request, the bank will generally handle it within a certain period of time. In this process, the bank will check whether there is debt on the credit card and whether the customer's debt has been settled. The average bank's cycle is about 45 days, and the bank will cancel the card for the cardholder only after confirming that the cardholder has no arrears.

when a customer cancels a credit card, for safety reasons, it is best to call the bank's customer service phone about 4 days after the card is cancelled to confirm whether his account has been successfully cancelled, so as to avoid future troubles.

criteria for account cancellation in major banks

1. ICBC: If the customer's account does not have online banking, withholding and collection services, and the average daily balance is less than 3 yuan, the bank will automatically deduct the quarterly management fee of 3 yuan and the annual fee of 1 yuan from the account. If the balance is deducted, it will form arrears. If the arrears are one and a half years, the bank will automatically cancel the account.

2. China Construction Bank: For accounts that have not been used for more than 3 years and have zero fund balance, they cannot be used normally. If customers need to use them, they need to activate them at the account opening branch. At present, there is no notice that the head office will automatically cancel the account. If necessary, customers can cancel their accounts at the outlets themselves.

3. Agricultural Bank: If the customer's account balance is zero and has not been used for one and a half years, then the bank will automatically turn this card into a "sleeping account" and can no longer use it. If it is not used for 5 years, the bank will automatically close the account.