Bank card fee
Common charging items of bank cards include: annual fee, small account management fee, SMS notification fee, etc. For the annual fee and small account management fee of 20 17, the state has issued a document requesting commercial banks to waive the annual fee and small account management fee for bank cards designated by banks. But in reality, if you don't take the initiative to apply, many banks will not take the initiative to give it free, and still accept it!
Secondly, for the bank card notified by SMS, after the arrears occur, the bank will not stop deducting fees immediately, but will continue to deduct fees. Generally, when the arrears reach more than six months, the bank will take the initiative to stop counting.
What happened many years later?
After many years, will you still owe the bank commission? Specific analysis of specific circumstances:
(1) This card is not bound to any business, so in the case of no transaction and no balance, the bank will generally turn it into a sleep account after two years. If there is still no change after it becomes a sleep account, then in another year or three years (different banks have different regulations), this card will be cancelled by the system and the occupied database will be cleaned up, so you will not owe the bank fees because the card has been cancelled;
(2) This card is bound to a third-party business (such as a securities account), so even if there is no balance and no transaction record, the bank will not take the initiative to cancel it. This card will exist forever, and your arrears record is there, but don't worry, the arrears on the savings card will not enter the personal credit report. As long as you don't use this card anymore, it doesn't matter if you owe money, but if you want to use this card again, you need to pay the arrears (in this case, I suggest you cancel it directly at the outlet without paying the fee and open a new one).
abstract
As for the savings card, if you don't want to cancel it at the counter, just cut it out with scissors. However, if you don't want to use it, you should pay attention. Once you don't want to use it, you'd better cancel it, otherwise there may be an annual fee. Nowadays, most credit cards are required to be swiped six times to avoid the annual fee for the following year. If it is a platinum series credit card, it will not be free at all, so the credit card must be cancelled. If they don't cancel, they must cancel.
To sum up, it is best to cancel bank cards that have not been used for a long time, especially credit cards, to avoid being used by criminals and effectively collect funds.