In the past, in order to make it easier to deposit money and use payment, many people managed many bank cards. However, now all expenses can be solved by a mobile phone, and card-type bank cards have become dispensable; Bank cards are gradually being idle by users. However, these bank cards are often just left unused and users will not cancel them.

according to the regulations of the people's bank of China, it is free for everyone to have a debit card in a bank, so if there is only one debit card in a bank, there is no need to worry about the annual fee. Let's break it down carefully as follows:

1. Debit card arrears

In the past, bank cards had annual fees and small management fees, with the annual fee of 1 yuan and the small management fee of 3 yuan per quarter and 12 yuan per year. In general, the arrears of these fees will enter the dormant account after two years of arrears, and no fees will be incurred afterwards.

But it will always hang there. For example, now everyone can only open one main card in each bank. If you need to use the card of that bank in the future, you must activate it and pay the arrears, otherwise you can't open the card.

because debit cards are internal to banks, and their charging standards are also set by banks, they are not linked together, so their arrears are not included in credit information.

Second, credit card arrears

Credit card arrears are much more serious. Generally speaking, credit card arrears include annual fees and overdue arrears.

owing the annual fee is an experience of many people. Generally speaking, the annual fee of a credit card will be more expensive with the higher level of the card version, but now many bank credit cards have started to exempt the annual fee, such as how many strokes or how much money they spend.

After all, there must be people working in the bank around you now, so it is normal to open a credit card for a convenience. After receiving the card, you should see clearly how much the annual fee is, how to avoid the annual fee, and whether you have to pay an annual fee whether you activate it or not.

It's very wrong that this part of the arrears leads to poor credit reporting. A colleague of Xiaobian opened a China Bank during his college years, but after it was activated, he put it there, and his mobile phone number was changed, resulting in a debt of 5+ in the credit reporting record.

Now, if you want to buy a house, you can't buy a loan. Every bank is refused to open a credit card, and the interest is calculated year after year. This colleague can only handle some loans and other businesses after the record is eliminated. Needless to say, overdue arrears, no matter whether the amount is small or large, or for whatever reason, are overdue as long as they are not repaid on time, and even lead to bad loans in serious cases. It is best to return them in time for the sake of credit reporting.