How to deal with useless bank cards;
1. The types of bank cards include savings card, debit card and credit card. People should first determine the types of bank cards that have not been used for a long time, and then choose the cancellation method according to the types of bank cards.
2. Debit cards that have not been used for a long time will be automatically cancelled when the arrears reach one and a half years. Users do not need to sell themselves, but make sure that the debit card has no arrears.
3. Credit cards need to be cancelled by themselves. Banks don't use credit cards to cancel their accounts, so if you have a credit card that has not been used for a long time, you should take the relevant documents to the bank to cancel your account, so as not to affect your credit.
4. Cancel the card office. If people have a bank card that has not been used for a long time, it is recommended to cancel the account at the local outlet in time, because it is impossible to cancel the account in different places.
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 be automatically cancelled.
3. Bank cards are different from credit cards, so there will be no credit problems when you cancel your account.
Previously, the card was empty for more than three years, and the account was automatically cancelled. The premise is that there is no money and no business. ?
If this card can still be used, an account management fee will be charged. For Puka: If your total assets in China Merchants Bank do not reach 10000 yuan, you will be charged an account management fee of March every month. If you haven't deducted before, you can deduct it after you save the money.