Inconsistent credit card banking policies. Some of them don't open and don't charge, so it's best to call customer service first to determine the charging type. If it is not opened and there is no charge, cut it or keep it properly. If it is not opened and there is a charge, then ask directly if you can close the account, and then you can close the account. If it takes several swipes to avoid the annual fee for the first year, activate it, swipe the card several times to pay back the money, and then call to cancel the account.

Previously, the CBRC had document requirements. Unless the credit card is clearly marked when issuing the card, the issuing bank cannot charge an annual fee for the credit card that is not used for issuing the card. However, according to statistics, at present, most credit cards with platinum level and above, as well as some credit cards with special materials, such as the credit card application constellation series of Industrial Bank Banking Center and Credit Card Center, will clearly indicate on the credit card application form that the annual fee will be charged after the card is issued, that is to say, even if such credit cards are not opened, banks will charge an annual fee. Therefore, if the credit card applicant doesn't want to open a card when handling the card, he must carefully read the instructions on the annual fee on the credit card application form to avoid being charged an annual fee.

I just got a card from China Construction Bank. Why do you say I want to activate it the next day?

As long as the card you handle at the counter can deposit and withdraw money directly, the bank staff will help you activate it, because you have handled electronic banking (online banking), so you have to activate it.

3. Why is the new China bank card not activated?

The bank card requires me to bring my ID card and bank card to the bank for activation. The steps are as follows:

1.

Go to the business hall of China Bank with my ID card and bank card;

2.

Get the reservation number and queue up;

3.

Apply for bank card activation;

4.

According to the counter instructions, set the password;

5.

Sign to confirm the completion of bank card activation.

4. Why hasn't the bank card just been activated?

! All bank card and passbook data must be entered into the system, and the carrying capacity of the system is limited, so it is impossible to add data indefinitely, so the bank will clean up the invalid data in the database every once in a while. If a bank card has no transaction record and no account balance within three years (the regulations of different banks are different, but generally not more than five years), the system will automatically convert the card into a sleep account, which can be activated at any time. However, once the sleep account is not activated within a certain period of time, such as five years, the code of this bank card will be defaulted as invalid data by the banking system. The next time the system runs to clear invalid data, the related data of this card will be automatically cleared, which is equivalent to cancellation. Bank card invalidation standard:

1. When the balance of users is less than 300 yuan, the small account management fee 3 yuan and the annual bank card fee 10 yuan will be charged every quarter.

2. When the user's balance is zero and there is no capital flow within three years, the bank card will automatically cancel the account.

3. Bank cards are different from credit cards, so there will be no credit problems when you cancel your account. If you don't activate the bank account, you won't charge the account management fee and annual fee, and even if you do, as long as you don't use this card, when you transfer to the sleep account, this card will no longer accumulate fees, and when the data is cleared, all the original accumulated fees will be cleared. Savings cards are different from credit cards. If you don't pay the annual fee, it won't affect your personal credit problem, so don't worry.