If the bank card is not used for a long time and there is no money in it, it will not be canceled. The bank will freeze it for you and then cancel the account.

From the moment you open an account, bank cards will incur the following fixed fees: a fee of 5 yuan (10 yuan for some chip cards), an annual fee of 10 yuan, a small account management fee of at least 3 yuan per quarter, and At least 27 yuan per ***. Excluding production costs, it will be at least 22 yuan per year starting from the second year.

If you activate the SMS service, the monthly fee is at least 2 yuan, the annual fee is 24 yuan, and the total of the three items is at least 46 yuan. Even if the card is not used for a long time and the balance in the card is zero, the above fees are calculated correctly and will be deducted when there are funds in the card.

There are five hidden dangers in "sleeping cards"

After consulting customer service at many banks and relevant industry insiders, the reporter found that the seemingly harmless "sleeping cards" actually have many hidden dangers:

Harm 1: Affects personal credit record.

As long as the credit card application is approved by the bank, issued, activated or not, it will appear on the cardholder's credit report. Cardholders may unknowingly default on their annual fees, which may affect their credit history.

Harm 2: Increased cardholder consumption.

For some special credit cards of some banks, no matter whether they are opened or not, once the cardholder signs and confirms, the bank will charge an annual fee, which will increase the cardholder's expenses.

Hazard 3: Increased risk of fraud.

"Sleep card" has been dormant for a long time and is not easily detected by the cardholder after being obtained by others, greatly increasing the risk of fraud.

Hazard 4: Hidden risks of trading accounts, account opening under false names, and account opening with fictitious agency relationships.

According to reports from the public security organs, in the current new illegal and criminal activities on the telecommunications network, 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 others. personal.

Hazard 5: Waste of management resources.

This has led to a waste of bank management resources, and accounts that have not been moved for a long time have also become risk points within the bank.