Will the flexible fund of rural commercial bank be automatically renewed when it expires?
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Finance, Shijiazhuang Mu Yun Psychological Consulting Co., Ltd., the creator of the financial field.
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No, it's no problem to use it directly before it expires. If it expires, you can continue to apply directly to rural commercial banks. The card can't be renewed, but you can apply for another card through the bank, and they will issue you a new card.
Bank interest is calculated according to the interest rate. According to the current deposit interest rate of the central bank, the benchmark interest rates of major banks are as follows: demand 0.35%, three months 1.35%, six months 1.55%, one year 1.75%, two years 2.25%, three years 2.75% and five years.
Take Xiamen Agricultural Flexible Fund as an example:
"Flexible Gold" is a characteristic credit card of Fuwantong launched by Xiamen Rural Commercial Bank. Cardholders can withdraw cash directly, spend immediately and use funds flexibly within the credit line approved by Xiamen Rural Commercial Bank. Flexible Credit Line Cardholders who apply for flexible credit of Xiamen Rural Commercial Bank can obtain credit lines through credit, guarantee, pledge and mortgage.
Flexible credit line
Cardholders who apply for the flexible fund of Xiamen Rural Commercial Bank can obtain a credit line by means of credit, guarantee, pledge and mortgage, and the maximum credit line can reach 300,000.
Flexible credit term
The credit period of Xiamen Rural Commercial Bank Flexible Fund is three years. After a credit, the cardholder can use the funds flexibly within the effective credit line and credit period.
Interest expense of flexible fund
The interest of the flexible fund is calculated according to the actual amount and days of use of the cardholder, and the daily interest rate is 0.5 ‰.
Idle bank cards have many hidden dangers.
If the bank card is idle, it should be properly solved by the issuing bank. Different banks have different regulations, and some users are too lazy to return the goods. Bank staff reminded that although bank cards are idle, there are many hidden dangers, such as the loss of private information.
When opening an account, our personal information will be stored on the magnetic stripe of the bank card. If it is lost and not handled properly, it will inadvertently cause the loss of private information. Therefore, unused bank cards cannot be thrown away directly. Many bank cards will generate annual fees after opening. If you don't use it for a long time, you will accumulate annual fees.
Don't wait for the bank to contact. The best way is to take the initiative to cancel at the bank outlets. To cancel the bank card, the cardholder can apply for cancellation at the same bank as the issuing bank with the bank card and ID card.
If the bank card is lost, you need to apply for a new bank card first, and then cancel the account. After the bank teller confirms the cancellation, he will cut the card. About a month later, this card was cancelled. If it is a credit card, you can also call the credit card center to cancel it. This not only avoids privacy leakage, but also does not waste a lot of money.