No fees will be deducted and the card has been automatically canceled.

If the average daily balance of the CCB bank card account in the quarter is less than 300 yuan, the bank will automatically deduct a quarterly management fee of 3 yuan and an annual fee of 10 yuan. If the account balance is zero and there is no transaction for 3 consecutive years (including 3 years), the bank will automatically cancel the card.

A debit card sleeping card refers to a cardholder that has not actively initiated consumption, cash deposits, withdrawals, transfers and other financial transactions (excluding interest settlement and inquiries) for more than 12 consecutive months, and the deposit balance is 10 yuan. Cards below.

A quasi-credit card is a dormant card that has not been actively initiated by the cardholder for consumption, cash deposits, withdrawals, transfers and other financial transactions (excluding interest settlement and inquiries) for more than 6 consecutive months, and the deposit balance is less than 10 Cards with a value of less than 10 yuan; credit card sleep card refers to a card that has not had any financial transactions such as consumption, deposits and withdrawals, transfers, etc. (excluding interest settlement and inquiry) initiated by the cardholder for more than 6 consecutive months, and the deposit balance is less than 10 yuan. card.

Extended information

In August 2009, the China Banking Regulatory Commission officially issued the "Notice on Further Standardizing the Credit Card Business", which rectified the "hidden rules" that thousands of people referred to in credit cards. ——After applying for a credit card and the cardholder does not activate it, banking financial institutions shall not deduct any fees.

Since each bank has different time points for collecting annual fees, even if a customer applies for a credit card from two banks at the same time on September 1, one credit card may be charged for annual fees in early August of the next year. Pay the bill, but the other one may not be received until September.

Most of the statements given by banks are: The "Notice" requires all banks to complete the rectification before August 31. Users who have not activated their credit cards for one year before then may still have to pay if the system has not been changed. An annual fee is charged. However, after the system changes on September 1, the bank will not charge annual fees for unactivated card users. This depends on the bank system rectification time.

Baidu Encyclopedia--Sleep Card