If the balance is zero for more than 18 months, the card will automatically go into sleep mode, but the system will still charge annual fees and small management fees. When the card needs to be canceled, the previous arrears must be paid.

For example:

Conditions for transferring to a dormitory account: the credit balance of the Agricultural Bank of China savings card account is 0, and no payment transactions have occurred for more than 18 months (inclusive) (excluding system calculations) (interest) will be converted into a dormant account.

ICBC: If all the money in the debit card has been deducted, no more money will be deducted. You can just go to the counter to cancel the card directly without paying any more money;

CCB: Even if the balance is deducted, If you want to cancel the card after all the deductions have been made, you have to pay the annual fee for that year.

Agricultural Bank of China: If the balance in the card is deducted to zero due to the annual fee, and there is no transaction for one and a half consecutive years, the card will be converted into a "sleeping account" from the date the account is frozen (the balance is less than 10 yuan) Starting from the beginning, if there is no transaction for 5 consecutive years, the card will be canceled by the head office.

In accordance with the "Notice on Cancellation and Suspension of Some Basic Financial Service Charges of Commercial Banks" jointly issued by the National Development and Reform Commission and the China Banking Regulatory Commission on July 10, 2017 (Fagai Price Regulations [2017] No. 1250), banks should Provide customers with an account that is free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts).

If you only have one savings card in the bank, then The bank must waive annual fees and account management fees for you, so you don’t have to worry about incurring any fees.

If you have multiple savings cards, the annual fees and account management fees will be deducted starting from the second card. There is an account management fee.

The fees generally charged by debit cards are: 1. Annual fee, usually 10 yuan/year; 2. SMS reminder fee, 3-5 yuan/month.

When the bank charges these fees, it will automatically deduct the money through the system. When your debit card has no money, the system will not continue to deduct fees, but will determine that your bank card is in debt.

If it is a credit card, if you have opened the card and do not use it for a long time, the annual fee will be deducted. If you do not pay the annual fee after deducting it, the result will be overdue, and the annual fee will accumulate to It is estimated that the bank will come to you for a certain amount of money.

Because the credit card is tied to your personal credit, overdue balances generated by the credit card will be included in the credit reporting system. Yes, so you must be clear about the use of credit cards and arrears.

Can bank cards be lent to others?

Generally speaking, banks will regulate bank cards. It is only allowed for personal use, and cannot be rented or sold. Therefore, when using the bank card, do not disclose the relevant information of the bank card to others.

Otherwise, if the bank card is used by others for borrowing, bring it with you. The consequences are unpredictable. If your bank card is accidentally lost during use, you need to call customer service to apply for a replacement in time.