Postal bank cards may be automatically cancelled when not in use, but they will not be automatically cancelled if there is a balance in the user's bank card. In addition, the Postal Savings Bank will deduct 3 yuan's small management fee for users whose long-term balance is less than 100 every quarter until the account balance is 0. When the balance in the card is 0 and the card is not used for a long time, it will sleep and automatically cancel after 2 years.

If the balance in the bank card is sufficient, it will not be automatically cancelled. Users can bring their own cards and ID cards to the business outlets to apply for cancellation.

Extended data:

1. If the bank card has not been applied for account cancellation, there is no such thing as account cancellation. If it is a savings bank card, it will be automatically cancelled if it is not used for two years. If it is a credit card, it will not be invalid even if it is not used.

2. When your account is deducted equal to or less than 0 yuan, if the owner fails to deposit money in the account within two years, it will be converted into a dormant card first, and the account will be automatically closed after a long time.

3. At present, the Postal Savings Bank has gone through the formalities of small management fees in accordance with state regulations. The standard is to charge 3 yuan a small management fee every quarter for accounts with a long-term card deficit of 100 yuan.

4. Dormant card: refers to the bank card that the cardholder has been idle for a long time and is in a dormant state; If the bank card has no business for more than two years, it will automatically sleep. At this time, it can't transfer money, and money can't be remitted. However, the dormant card may leave a negative record on your credit report.

For a savings bank card with zero balance and not used for two years, the bank will automatically set the bank card account as a sleep account, which means you can't deposit any more money in it. If you need to use this card in the future, you just need to bring your own card and ID card to the bank to activate it.

Activating sleep card is free, but if you deposit money into the card, you will be deducted from the annual account management fee of 10 yuan and the quarterly small account management fee of 3 yuan.

If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card.

If the card is not overdrawn, you can apply for account cancellation at any time.

If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time;

If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.

When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry.