If you no longer use your CCB card, you need to cancel it.

Except for some joint-stock banks that do not charge annual fees or small account management fees, most banks will charge a certain fee for the card before canceling it. The annual fee for ordinary debit cards is generally 10 Yuan/year, small account management fee is generally 12 Yuan/year.

If the balance in the card or passbook is insufficient to deduct the fee, some banks will accumulate the annual fee owed and deduct it all at once when the money is credited to the card.

The annual fees and small account management fees owed by cardholders have not yet been included in the central bank’s credit reporting system. Once these arrears are included in the credit reporting system, cardholders or passbook holders will suffer adverse consequences. Documented impact.

Since August 1 this year, the central bank has issued regulations "Notice on Suspension of Basic Service Fees of Financial Institutions", in which annual fees and small account management fees have been cancelled. But please remember that you must go to the bank to confirm the "double exemption" account in person, otherwise the charges will continue. If you have multiple cards, you can only exempt one, and other bank cards cannot enjoy free services.

Extended information:

Notes on canceling bank cards:

1. Remember to "destroy the card" after canceling the card. Make sure that after you have canceled the card at the bank, you should immediately cut off the magnetic strip of the card in your hand and do not throw it around to cause unnecessary trouble.

2. For automatic account cancellation, each bank has different management. China Merchants Bank needs to meet two conditions at the same time and maintain it for three years before it will automatically cancel the account: first, the account balance is zero; second, the card has not signed any other business, such as third-party custody. However, many industry insiders told reporters that generally speaking, joint-stock banks will not cancel cards easily, and some banks will never cancel cards.

Reference materials:

People's Daily Online - It is best to cancel the bank card if it is no longer in use

People's Daily Online - The bank card is not automatically canceled and it is time-consuming and expensive to cancel the account

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