1. This situation generally does not take more than one year. After sleeping for more than five years, the card will be automatically cancelled.
2. Generally, this happens, the bank card will be unable to transfer money and trade, and the bank card will no longer charge management fees.
3. For bank cards that don't want to be frozen, you can handle a business or transfer transaction through any channels such as ATM, online banking and mobile banking every year, so that it will not be recognized as a "sleep account" by banks.
Hidden risks of idle bank cards
1 property loss
Now, usually every bank can waive the annual fee and management fee for a debit card (excluding credit card), so your remaining cards will still be charged, and the idle cards will be automatically deducted from the management fee and annual fee. Meng Xiao learned that most banks will convert debit cards that have not been used for many years into "sleep card" after a period of time. During the "sleep card" period, if you want to resume using the card, you need to make up the arrears.
2 increase the risk of brush theft
"sleep card" has been in a state of sleep for a long time, and it is not easy to be detected by the cardholder after being obtained by others, and the risk of stealing the brush is greatly increased.
3 affect personal credit records
If the credit card is idle for a long time and the annual fee is in arrears, it will have a negative impact on the personal credit record, thus affecting the handling of personal loans and other capital business.
4 Accidental loss may cause personal information disclosure.
A large amount of personal information is stored on the bank card. Once it is lost, personal privacy will be revealed.
Criminals use it to engage in illegal activities.
Criminals involved in telecom fraud, illegal money laundering, bribery and gifts, and tax evasion may use your discarded or lost bank card to engage in illegal crimes or illegal fund transfer activities. Once the police find out, they will find the original cardholder, so you just lie down.
How to deal with idle bank cards is safe
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_ In order to cancel sleep card in time, cardholders can apply for cancellation at bank outlets with their debit cards and their ID cards.
_ If your bank card is lost, you need to reissue a bank card to close the account.
_ If a credit card is involved, you can also call the customer service phone of the credit card center to cancel.
_ After the card is cancelled, the general staff will cut the card. If there is no card, it is suggested to cut it off, destroy the middle position between the magnetic stripe and the ic card chip, and then throw it into a different trash can.