Most banks will convert debit cards that have not been used for many years into "sleep cards" after a certain period of time. During the "sleep card" period, if you want to resume using the card, you need to make up the outstanding balance. After converting to a "sleep card", the bank will automatically cancel the card within three to five years.
Bank card cancellation standards are divided into the following three situations:
1. When the user balance is less than 300 yuan, a small account management fee of 3 yuan will be charged every quarter, and the bank card will be charged annually Charge 10 yuan.
2. When the user's balance reaches zero and there is no fund flow within three years, the bank card will be automatically closed.
3. Bank cards are different from credit cards. Account cancellation will not cause credit problems. Extended information
Can I not cancel an idle bank card? Yes, but it is best to cancel it.
Most banks will convert debit cards that have not been used for many years into "sleep cards" after a certain period of time. During the "sleep card" period, if you want to resume using the card, you need to make up the outstanding balance. After converting to a "sleep card", the bank will automatically cancel the card within three to five years.
Charging standards for sleep cards by major banks
ICBC: If the average daily balance of the account in the quarter is less than 300 yuan, the bank will automatically deduct a quarterly management fee of 3 yuan and 10 yuan. Annual fee. If you are in arrears for one and a half years, the bank will automatically cancel the account.
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.
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.
CCB: 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.
BoCom: The 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, he will owe Fees to be paid.
Reference link: Can an idle bank card not be canceled - Hualv.com