If you want to cancel the automatic deduction function of your bank card, you can bring the relevant documents to the bank branch to cancel it, or you can cancel it through mobile banking.
Cancellation method of automatic bank card deduction:
1. Cancellation of bank mobile client:
Nowadays, all major commercial loans and state-owned banks have mobile phone customers If you are using the APP, download it on your mobile phone and log in. Generally, you can choose to turn off bank card deductions in "My--Security Center--Quick Payment Settings".
2. Cancellation at bank counter:
Go to the counter of the card-issuing bank with your ID card and bank card. The counter staff will cancel the bank card deduction for you after verifying your identity.
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What are the functions of bank cards?
1. Consumption. Cardholders can shop or pay service fees at special merchants according to the usage scope and usage methods specified by the card-issuing bank. Usually, they can pay in cash instead of cash by presenting their bank card and entering a reserved password, or by presenting their identity document.
2. Deposits, withdrawals, and exchanges. Cardholders can use their bank cards to handle deposits, withdrawals (including withdrawals from different places and across banks) and remittances.
3. Overdraft. Credit card holders can also apply for a certain amount of credit overdraft.
4. Use of unit cards. Corporate cards are not allowed to deposit or withdraw cash. All funds in the corporate card must be transferred and deposited from the basic account. The unit card can handle the settlement of goods transactions and labor supply payments, but no overdraft is allowed.
Introduction to bank cards:
Bank cards refer to all or all kinds of cards issued to the society by commercial banks (including postal financial institutions) with the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Credit payment tool with some functions. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.
Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched China’s first digital bank card-Baidu Quick Pass Card. On August 31, China UnionPay released the first digital bank card “UnionPay Unbounded Card”.
On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" was adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court. Effective from May 25, 2021 Implementation. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.
In December 2015, the China Banking Regulatory Commission issued the "Notice on Matters Concerning the Banking Industry's Combating New Illegal Crimes in Telecom Networks" (hereinafter referred to as the "Notice"). The "Notice" stipulates that starting from January 2016 Starting from the 1st, in principle, the same customer cannot open more than 4 debit cards at the same institution (excluding social security cards). At the same time, the "Notice" also stipulates that "the same agent shall not open more than 3 cards at the same commercial bank in principle. Debit cards issued by the agent must be activated by the agent at the counter with his or her valid identity document before they can be used. ."