It may lead to the suspension of non-counter business

1. No transactions for half a year after opening the account: The account will be opened on October 1, 2020, and within 6 months from the day after the account is opened. If there is no transaction record, non-counter business will be suspended.

2. If non-counter services need to be resumed, users can bring their valid identity documents, bank cards, and passbooks to the bank counter for identity verification. This regulation is to prevent criminals from illegally acquiring accounts, opening accounts under false pretense, etc., and to ensure the security of customers' accounts to a certain extent.

3. If the China Merchants Bank credit card is not used for a long time, it may incur an annual fee. I personally recommend that you use it enough times to avoid the annual fee.

4. There is also a special situation. If the bank card is not used for a long time, the bank card will become a sleep card. Some non-counter services of the sleep card are also suspended. If you want to resume using the bank card, you need to first After activating the bank card, open non-counter services.

Non-counter business refers to business that is not handled at the bank counter, such as: mobile banking, online banking, ATM transactions, etc. Because if some bank cards are not used for half a year, the bank is worried that the bank card will be used by others under false pretense or money laundering, etc., the bank will suspend non-counter business, so that the bank card cannot be used in these places. This can prevent the bank from doing so to a certain extent. The card is being used by criminals.

Should you cancel unused cards: It is better to cancel unused bank cards. First, bank cards that have not been used for a long time will have their non-counter business suspended by the bank. Second, bank cards charge annual fees and small account fees (a bank can waive the annual fee and small account management fee for a bank card). If the user does not need to use the card, it is better to cancel at the bank counter. In addition, it is okay not to cancel a credit card that has not been opened and activated. This type of bank card generally does not incur any fees or affect personal credit. However, it is still recommended to cancel the bank card.

Note: To cancel a bank card, users need to bring their ID card and bank card to a bank branch. The account cannot be canceled online. The account can be canceled if you are not at the bank where the account is opened or in another place. You can also cancel the account without a bank card.

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