2. If the bank card is not used for a long time, it is recommended to cancel it. If you don't close your account, it will be closed. Generally, it will be automatically cancelled after two years.
3. If the card applies for exemption from annual fee and small account management fee and meets the requirements, there will be no arrears.
If you don't apply for annual fee exemption:
1. If there is no money on the bank card, continue to deduct the annual fee and accumulate it as debt;
2. At the same time, deduct the small account management fee at the rate of 1 yuan per month, and deduct it once every quarter, and accumulate it as debt;
3. If the card has no money for six months, it will become a sleeping account;
4. Cancel the card after two years;
5. The record of arrears is dishonest, which will affect the application for credit cards and loans in the future.
Extended data:
Some banks also regularly clean dormant accounts. The customer service staff of CITIC Bank told Zhongxin.com that in order to prevent long-term unused accounts from being used by criminals, protect users' legitimate rights and interests, and effectively crack down on telecommunication network fraud crimes, in addition to converting long-term unused accounts into sleep accounts, accounts that have not been traded for a long time will be regularly cleaned up on March 24th and September 24th every year.
The bank started to handle the "Double Zero Card" mainly based on the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks issued by the People's Bank of China. Where the notice requires a bank to open a bank settlement account for an individual,
The same person can only open a Class I account in the same bank (legal person). If a first-class account has been opened and a new account is opened, a second-class account or a third-class account shall be opened. For accounts with no transaction record within 6 months from the date of opening an account, the bank suspends its off-counter business, and the payment institution suspends all business.
"Sleeping card" has five hidden dangers, but the seemingly harmless "sleeping card" has many hidden dangers:
1, affecting personal credit records.
As long as the credit card application is approved by the bank, whether it is issued or not, the card will appear in the credit report of the cardholder. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.
2. Increase the expenses of cardholders.
Some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which will increase the cardholder's expenses.
3. Increase the risk of brush theft.
"sleep card" has been in a state of sleep for a long time, and it is not easy to be detected by the cardholder after being obtained by others, and the risk of card theft is greatly increased.
4. Bury hidden dangers for buying and selling accounts, opening accounts under false names, and opening accounts under fictitious agency relationships.
According to the introduction of public security organs, in the current illegal and criminal activities of new telecommunication networks, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals.
5. Manage resource waste.
It wastes the management resources of the bank, and the long-term fixed account has also become the internal risk point of the bank.
References:
Public trust. Do you have any unused bank cards? No, the bank will handle it like this.
Public trust. Com- the bank card has been useless for a long time, and there is no money in it and it has not been cancelled? The consequences are very serious.