1. Generally, the debit card of a bank is only exempt from the annual fee of one card, so if there is only one card in one bank, there will be no annual fee.
2. If the same bank has more than one debit card, the others will still charge the annual fee as usual.
3. In addition, if the amount in the account does not meet the requirements of the bank, the small account management fee may be deducted.
Bank cards that have not been used for a long time are also called dormant cards. The so-called dormant card, as its name implies, refers to the bank card that the cardholder has been idle for a long time and is in a dormant state.
The dormant card may leave a negative record on your credit report, because you may forget to pay the annual fee.
Extended data:
Long-term idle bank cards are handled as follows:
If it is a credit card, you must cancel it, otherwise it will affect your personal credit.
If it is a savings card, the personal credit record will not be affected if it is not cancelled, but the management fee and annual fee of the idle card will be automatically deducted.
If you continue to use the bank card, you need to pay the fees you owe. If the bank card is no longer used, it can be ignored.
If the bank card is not used for a long time and the debt reaches a certain level, the bank will automatically cancel the account.
References:
Baidu encyclopedia-dormant card
People's Network-"sleep card" will also eat money quietly? Idle bank cards need to be disposed of in time.