In addition, if it is an ordinary savings card, there is no deposit in the card, and there is no debt for other management fees. If there is no use record for 2 years, the bank will automatically cancel the card.
Account cancellation refers to the abbreviation of canceling the bank account of the account opening unit. If it is necessary to cancel the bank account due to the cancellation, merger or relocation of the institution, the cancellation procedures shall be handled with the bank where the account is opened. When the unit cancels the account, it must check the balance of the deposit (loan) account with the bank, and then settle the deposit (loan) balance with the relevant documents issued by the unit, and return all kinds of blank and important documents. After the account is cancelled, all problems arising from the failure to return blank important vouchers shall be borne by the account cancellation unit. When a current savings depositor wants to cancel his account, he should take out his passbook and cancel it.
Credit card cancellation
If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card.
If the card is not overdrawn, you can apply for account cancellation at any time.
If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time;
If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.