Useless bank cards will bring some small troubles to cardholders even if they are not used. Here's how to deal with them.

1. First, make sure there is no money in the card. To check the balance of each card through online banking or ATM, many people will find that there is still a small vault in the card that has been useless for a long time, which feels like winning the prize. After the inquiry, transfer the balance of bank cards that have not been used for a long time and are not going to be used to the cards that are often used at present. The cards can be idle, and it is best not to idle the money in the cards.

2. For those bank cards that are no longer used, it is recommended to cancel them. To cancel the bank card, as long as the cardholder takes the bank card and his ID card to the same bank as the issuing bank and applies for cancellation. Even if the bank card is not used, the fees that should be paid will still be deducted, such as small management fees and SMS reminder fees. It is really not cost-effective to keep it! If the balance is insufficient to form arrears, you must make up the arrears before you can cancel.

3. Some cards have not been used for a long time, and the bank may cancel them for you. If the small account management fee and debit card annual fee deduct the balance of the account, some banks choose to automatically close the account, but there is no uniform standard and threshold for the time limit for closing the account. For example, the Agricultural Bank of China stipulates that if the account balance is zero and it has not been used for one and a half years, then the bank will automatically turn this card into a "sleeping account" and can no longer use it. If you want to continue to use it, you need to go to the bank counter to activate it. Some banks set up a closing period of one to three years for accounts with zero balance. If you have such a card, you can first confirm with the bank whether it has been cancelled, and then you can cut the card and destroy it yourself after confirmation.

4. Bank cards that may be used in the future can be kept. Many people would suggest that all idle bank cards be cancelled, but they have never considered that in case this card is needed again one day, the process of reissue will not be simpler than the process of cancellation. For this kind of card, in order to prevent it from being cancelled by the system, you can keep a little balance for a rainy day.