These fees may be deducted once after the user uses this bank card in the later period. Therefore, it is recommended to apply for cancellation of the bank card that has not been used for a long time and has been determined not to be used any more, or apply for exemption from annual fee and small account management fee at any ICBC business outlet with valid documents and ICBC debit cards, and there is no handling fee.
The above is the introduction of whether the ICBC card will be cancelled after it is not used. I hope I can help you. Tip: The annual fee for debit cards of major banks is mostly 10 yuan per card per year, the management fee for small accounts is 3 yuan per quarter, and the balance change reminder service is 2-3 yuan per month.
What are the requirements for handling industrial and commercial bank cards?
Industrial and commercial bank cards include debit cards and credit cards. Debit card is a mobile payment tool issued by banks, while credit card is a credit product. Because debit cards and credit cards are different in nature, users need different conditions to apply for industrial and commercial bank cards.
1. ICBC Debit Card:
In general, you can apply for a debit card account only by providing personal ID information, but you also need to provide proof of work or local residence when applying for a debit card.
2. China Industrial and Commercial Bank Credit Card:
Require the applicant to have a good credit status; The applicant is between 18 and 60 years old and has full capacity for civil conduct; Have a stable income and work, and have the ability to repay.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Debit cards can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.