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Will the postal savings bank card be automatically cancelled after several years of uselessness?
Under normal circumstances, the postal savings bank card may be automatically cancelled when it is not used, but it also depends on the situation. Under normal circumstances, a bank card account will not be closed if the balance is sufficient, and the bank will not close the account no matter how long the cardholder does not use it. If the balance of the postal savings bank card is less than 100 yuan, the bank will charge a small account management fee quarterly. Until the account balance is 0, the bank will turn the bank card into a dormant account, and when the bank card has been dormant for 2 years, it will be automatically cancelled. 1. Whether the postal savings bank card will be automatically cancelled after long-term non-use depends on the status of the bank card: if there is no money in the bank card and other services such as online banking and mobile banking are not opened, it will be automatically cancelled after 3 years. Otherwise, it will not be automatically cancelled, and you need to bring your ID card and bank card to the bank counter for cancellation.

2. Banks generally classify accounts that have not received or paid for more than 3 years as sleep accounts. For this kind of account, if the bank considers it unnecessary to continue to exist after investigation, it will inform the account opening unit to come to the bank to cancel the account within 1 month. If the unit does not handle it in the future, it will be deemed as automatic cancellation.

3. Cancellation process: I bring my second-generation ID card and bank card to the bank business hall; Get the reservation number from the bank and queue up; Explain to the counter staff that you want to cancel the account, give the bank card to the bank staff and fill in the relevant application; Bank card cancellation completed.

1. How to cancel bank card financing?

1. Cardholders bring their valid identity documents and bank cards to the corresponding offline bank outlets to fill in the application form and take the number;

2. After calling the number, under the guidance of the staff, submit the bank card cancellation application form and documents to the counter;

If there is any balance in the bank card, it needs to be replenished. If there is still a balance, you can take it out;

4. The staff can successfully close the account and cut the card after confirmation. If it is a credit card, you can cancel it by phone or online banking.

Second, how to report the loss of the bank card

1. Call the official customer service phone number of the bank corresponding to the bank card and report the loss of the bank card orally according to the manual customer service prompt;

2. If online banking is enabled, you can report the loss of your bank card through mobile banking or online banking, and follow the relevant prompts on the page after logging in;

3. The cardholder should bring his valid ID card to the corresponding offline branch of the bank, handle the loss reporting formalities with the help of the staff, or handle it as an agent, but he should bring the valid ID card, power of attorney and other materials of the cardholder and his agent.

Three, different types of bank card account cancellation methods are different:

1. Debit cards can be cancelled automatically or automatically by banks. You need to bring your ID card, bank card and other related information to the bank outlet to cancel on your own initiative. Automatic bank account cancellation needs to empty the balance in the bank card. If the bank card is not used for a long time and the balance is small, the bank will automatically cancel the account.

2. There are two ways to cancel the credit card: customer service phone cancellation and bank outlet cancellation. The user calls the customer service hotline of the credit card and asks the customer service to help cancel; Counter cancellation requires users to bring ID cards, credit cards and other related materials directly to the credit card issuing bank outlets. It should be noted that there must be no arrears in the credit card when it is cancelled. "