1. If it fails due to long-term non-use, it can be recovered by completing a transaction with this card.

2. If the card is invalid due to degaussing or damage, you can APPly for card replacement by logging in to the issuing bank's mobile app, calling the bank's customer service hotline or going directly to the outlet, and the bank will transfer the balance in the invalid card to a new card.

3. If the balance on the card is not enough to pay the annual fee, SMS fee and other expenses, it needs to be recharged before it can be used normally. Even if you don't use it, you should deduct the fees you should pay, such as small management fees and SMS reminder fees. Therefore, it is best to cancel cards that are not intended to be used for a long time. If the balance is not enough to form arrears, you must make up the arrears before canceling the arrears. To cancel the bank card, as long as the cardholder holds the bank card and his ID card and applies for cancellation at the same bank as the issuing bank.

Second, credit cards.

1. If the card is invalid due to overdue, you need to pay off the arrears first, and then apply to the customer service of the issuing bank to restore the credit card.

2. If the failure is because the bank is suspected of malicious withdrawal, it is necessary to provide proof that it is not a withdrawal, otherwise it will be difficult to recover.

3. If the card is invalid due to degaussing, damage or exceeding the validity period, you can apply for card replacement by logging in to the mobile phone app of the issuing bank, calling the customer service hotline of the bank or directly going to the outlet. Remember to destroy the old card in time, otherwise it will be easily stolen.

We can ask the bank's customer service hotline why the card is invalid, see if there are abnormal funds in the card, and then handle it according to the customer service tips. It is recommended not to put the card in the high magnetic range of microwave ovens, refrigerators and other electrical appliances, and try not to put it with magnetic objects such as mobile phones, computers and palmtop computers, otherwise it will be easy to degauss. In addition, you should try to avoid sharp objects from wearing and scratching the magnetic stripe. I would like to remind you that some criminals will cheat by sending text messages on the grounds that bank cards are invalid. In this case, don't trust the link in SMS or call transfer, but check through the official customer service phone of the bank to determine whether there is such a thing, so as not to be deceived.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.