How to cancel bank card dormancy

The method to cancel bank card dormancy is as follows:

1. Go to a bank branch to activate: bring the dormant bank card and your valid personal ID. Go to the counter of the bank where the account is opened to handle the normal business of transferring a dormant account. After the cardholder repays the unpaid annual fee and small management fee, he can activate it by depositing money into the bank card. It is recommended to bring some cash with him. Each bank may have different regulations for sleep bank card activation, and you still need to consult the branch staff for details.

2. Call the bank customer service number to activate. If it is a credit card, you can use the mobile phone number used to apply for the bank card during the dormant period to call the credit card customer service hotline. After transferring to manual service, tell them to reactivate the credit card. After verifying the personal information and query password, the process can be done.

3. Apply for another one after canceling the account again. If you have not used it for several years, in order to prevent the bank from charging annual fees, it is recommended to cancel the account and apply for a new one.

What to do if the credit card prompts that the transaction is in a dormant state after just applying for it

The credit card prompts that the transaction is in a dormant state after just applying, indicating that it has not been activated and needs to be activated before it can be used;

See the three ways to activate your credit card:

1. Go to a bank branch to apply for activation;

2. You can log in to the bank’s official website and follow the website prompts to activate; 3. You can call Call the bank’s official customer service phone number and follow the prompts to activate.

Extended information:

1. The so-called sleep card in the credit card industry is a card that has not been used for a certain period of time or a period of time, or it is a new application. Cards that are not enabled or activated are called sleep cards, or cards that have not been used once within a year after being enabled are regarded as quasi-sleep or low-usage or rarely used cards.

2. Concentrated situations where credit cards are in dormant state

1. If the credit card sleeps for more than the validity period, it cannot be used. Even if the cardholder deactivates it, it cannot be used anymore. .

2. If the credit card sleep time has not exceeded the validity period, it can generally be used. As long as the credit card is activated, it can be used. Credit card holders can choose to call the official customer service number of the card-issuing bank for activation, or they can go directly to the offline counter for activation.

3. The credit card cannot be used when it is in sleep state. If the sleep state time exceeds the validity period of the credit card, it cannot be used when the credit card is activated.

4. In addition, sleep cards that cannot be used need to be cancelled. Cardholders only need to ensure that there are no arrears and balances in the credit card to cancel the business. It should be reminded that there are still certain risks when the credit card is in sleep state. If the cardholder does not want to use it, he can cancel it.

3. Protect the credit card information

The three most important information on the credit card are expiration date and CVV code. These three key information affect the security of using the card. The CVV code is the most important. It is as important as the credit card password. Remember to keep those three numbers in mind. You can use correction fluid or stickers to cover the CVV code, or it is safest to scrape off the CVV code with a razor blade.

4. Repay your debt on time and increase your credit limit

Repaying your debt on time and maintaining a good credit record is also a way to increase your credit limit. There is another way to increase the credit limit, which is to make more credit card installments, so that the bank can earn your money and increase the credit limit faster. This method requires a certain cost, so remember to use it with caution.

What should I do if the credit card is in sleep state?

If it is not used for more than one to two years, the bank card will automatically enter the sleep state; if you want to activate the bank card, you can Go to the account opening bank to activate your ID card. It is in a dormant and frozen state after being unused for a long period of time.

The parties concerned bring their ID cards and credit cards to the bank and queue up to call the number. Then go to the bank to find the counter staff to get the application form, and then fill in the required content in the customer column above; after calling the number, go to the counter and put in the application form. Submit the ID card, credit card, and application form to the counter staff, and then handle, activate and activate according to the instructions of the bank staff;

Extended information

1. ICBC: Average daily balance of the account in the current quarter If the amount is less than 300 yuan, the bank will automatically deduct a management fee of 3 yuan per quarter and an annual fee of 10 yuan. If you are in arrears for one and a half years, the bank will automatically cancel the account.

2. Agricultural Bank of China: If the average daily balance of the account in the current quarter is less than 500 yuan, the bank will automatically deduct a management fee of 3 yuan per quarter and an annual fee of 10 yuan. If you are in arrears for one and a half years, you will automatically become a "sleeping household". After turning into a "sleeping account", if there is no transaction within five years, the account will be closed.

3. Bank of China: The debit card will be charged an annual fee of 10 yuan every year. If the balance is insufficient, arrears will occur. If you want to cancel or reuse the account, you need to make up the arrears. Accounts that have a zero balance for more than a year and have not been used for three years will be canceled by the bank.

4. China Construction Bank: If the average daily balance of the account in the current 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.

5. Bank of Communications: A debit card will be charged an annual fee of 10 yuan every year. If the annual fee is not deducted for 2 consecutive years, the bank will automatically cancel the card for the customer. During this period, if the customer cancels the card by himself, Make up the arrears.