If it is a debit card, there may be an annual fee or a small account management fee, and the funds in the card may be deducted gradually. Idle bank cards are best cancelled at the bank, or cut and destroyed by themselves. If it is a credit card, you can call the bank customer service to cancel the card. You can also go to the bank counter to cancel the card business. Please cut your own bank card to avoid being used by others.

Bank cards can be thrown away when they are not used, but it is not recommended to throw them away directly. You can cut the card in two and destroy it. Bank card account number invalidation standard:

1. When the balance of users is less than 300 yuan, the small account management fee 3 yuan and the annual bank card fee 10 yuan will be charged every quarter.

2. When the user's balance is zero and there is no capital flow within three years, the bank card will be automatically cancelled.

3. Bank cards are different from credit cards, so there will be no credit problems when you cancel your account.

As long as the credit card application is approved by the bank, whether it is issued or not, the card will appear in the credit report of the cardholder. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.

Some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which will increase the cardholder's expenses.

Idle bank cards are not used for a long time, and they are not easy to be noticed by cardholders after being obtained by others, which greatly increases the risk of being stolen.

According to the introduction of public security organs, in the current illegal and criminal activities of new telecommunication networks, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals.

How to cancel an idle bank card?

1. 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.

If your bank card is lost, you need to reissue a bank card to close the account.

3. If a credit card is involved, you can also call the credit card center to cancel it.

4. After the card is cancelled, the general staff will cut the card. If not, I suggest you cut it yourself and throw it in a different trash can.