The Peony Card is the Peony Money Link Card, right? There will be no problem, you don’t have to pay back the annual fee, otherwise he will ask you for a small account management fee. My mother also had a card with negative charges. The bank employee said there was no need to throw it away. If you continue to use it, you might as well open a new card. There is no need to pay his annual fee, and you are not using his card. Besides, he had already deducted all the money from his card, so the fees they charged were simply unreasonable. Moreover, the Peony Card is an ordinary card, not a credit card, and will not affect your credit record. Generally, the cause of credit damage is loan interest arrears or malicious credit card overdrafts. You can rest assured.

Furthermore, bank accounts do not need to be automatically canceled within a year. Instead, they will be automatically canceled after a period of time after the available balance in your account is deducted. Each bank has different regulations on this point. ICBC and Agricultural Bank of China will generally cancel the account automatically when there is no business for 2 years and there is no balance in the account. Our company's card has no annual fee or small account management fee. Generally, the system will automatically transfer the account to a permanent account if no transactions occur for 2 years. After the account is transferred, if no one comes to cancel the account after another 3 years, the system will automatically cancel the account. Transfer it to another account for safekeeping, and the money will remain there until the customer comes to cancel the account.