What are the consequences if the Bank of China credit card is not used for a long time and the account is not closed?

Bank of China has rich and colorful credit card activities and it is recommended to keep using it. If you really need to cancel, you can call the credit card customer service hotline to pre-cancel the account. After pre-cancellation, the card cannot continue to consume, but repayment is supported.

The above content is for your reference, please refer to actual business regulations.

What are the consequences if the Bank of China credit card is not used for a long time and the account is not closed?

If your card has been activated and is not used for a long time, an annual fee will be charged from the second year onwards. If the card is not used for a long time, it will automatically become invalid after the validity period.

The above content is for your reference, please refer to actual business regulations.

Will not canceling the Bank of China credit card affect my credit?

According to the "Credit Information Industry Management Regulations", commercial banks and other financial institutions must report customer credit card account information, transaction information, repayment information, etc. to the People's Bank of China personal credit database in a timely, accurate and comprehensive manner. , so as to reflect the customer's personal credit status in a timely, comprehensive and true manner. If you fail to repay your credit card overdraft on time and have an overdue record, your personal credit record at the People's Bank of China will be objectively reflected and will have an impact on your personal credit record, regardless of whether the credit card is cancelled.

The above content is for your reference, please refer to actual business regulations.

Is there any impact if the credit card is not canceled?

It is okay not to log out, but it is recommended to log out. If your bank card is subject to risk control, it doesn’t matter whether you cancel it or not. As long as you don’t care about the money in it, if you care about the money in it, then you still need to lift the risk control and then transfer the money in it. Withdraw the money and then write it off.

Precautions for using bank cards

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of the ATM machine, for the sake of safety, Do not use it and inform the bank immediately;

2. To prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight. Within the scope, pay attention to the number of times the cashier swipes the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your own card;

5. Activate the mobile phone text message service and keep track of it at any time Account changes, once abnormal transactions are discovered, call the bank immediately to report the loss;

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

7. Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away. Do not keep multiple bank cards and passbooks together.

8. Use pieces of paper to separate cards as much as possible to act as a distance.

9. You can use special bank card holders or anti-magnetic card holders.

You cannot open more than 4 cards from the same bank

In December 2015, the China Banking Regulatory Commission issued the "Notice on Matters Concerning the Banking Industry's Combating New Illegal Crimes in the Telecommunications Network" (hereinafter referred to as "Notice"), the "Notice" stipulates that from January 1, 2016, in principle, the same customer shall not open more than 4 debit cards at the same institution (excluding social security cards). At the same time, the "Notice" also stipulates that "the same agent shall not open more than 3 cards at the same commercial bank in principle. Debit cards issued by the agent must be activated by the agent at the counter with his or her valid identity document before they can be used. "

The "Notice" also requires that for customers who already have more than 4 debit cards, the bank should proactively contact the customer for verification. If it is found that the card is not handled by the customer willingly, the service should be suspended.

This is the end of the introduction on how to check the unclosed credit card account and the unclosed credit card account. I wonder if you have found the information you need?