1. If you need to cancel your debit card, you can bring your valid ID card and RMB debit card to any branch in this place or other places to cancel your card.

when canceling the card at the place where the account is opened, other branches except Suzhou, Guangdong, Tianjin, Guizhou and Zhejiang branches in Jiangsu can cancel the card on their behalf, and the agent must submit the valid identity certificate of the agent at the same time.

if you want to cancel the card in a different place, you must do it yourself, and if there is a foreign currency account in the card or an agreement is signed under the card, and the discount card does not support the cancellation of the account in a different place. Note: Beijing and Shanghai branches have different regulations.

2. If you want to cancel the account, you must pay the annual fee and management fee owed by the card before you can cancel the account. Since Cary has no money, I suggest leaving it alone and will automatically cancel it in the future. Ordinary ICBC card is only a savings card, which is different from credit card and will not record bad information. Because there is an annual fee and a small account management fee, the annual fee is in 1 yuan every year, and the small account management fee is in 3 yuan every quarter when the balance is lower than that in 3 yuan, so 22 yuan will be deducted in one year. When the card balance is deducted to zero yuan, the system will put your bank card into hibernation after a period of time. After that, the system will automatically log off. It will only be necessary to open a new card in the future.

Debit cards

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

〔debit card〕 can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the demand deposit. When spending or withdrawing money, the funds are directly drawn from the savings account. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; It can be divided into domestic cards and international cards according to the scope of use.

credit cards

credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Credit card

a credit card, often called a credit card, refers to a credit card in which the issuing bank gives the cardholder a certain credit line within which the cardholder can spend first and then repay. It has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments when they overdraw. Customers need to pay a certain amount of annual fees to the banks that apply, and each bank is different.

quasi-credit card

quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and RMB for credit card spending, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw the consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

quasi-credit card is a kind of credit card with China characteristics, and there is no such kind of credit card abroad. In the late 198s, China's banking industry introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, the banking industry in China made some changes to foreign credit card products, changing the traditional foreign credit card deposit with no interest and overdraft with interest-free period to deposit with interest and overdraft with interest.

a quasi-credit card has some functions of both a credit card and a debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using it, deposit first and then consume, and interest will be paid for the deposit. The cardholder can make a small overdraft within the limit approved by the issuing bank when shopping, but the overdraft amount will bear interest from the date of overdraft, and the arrears must be paid off at one time. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption. Bank card _ encyclopedia