According to the general data of the payment system in the third quarter of 20 19 released by the central bank, the per capita card number in China is 5.89. Each person holds 0.53 credit cards and debit cards. By the end of this quarter, the number of bank cards issued in China was 82170,000, an increase of 0.3% from the previous month. Among them, the use of debit cards was 7.482 billion, an increase of 2.97% from the previous month; The number of credit cards and debit cards used was 734 million, an increase of 3.25% from the previous month.
In fact, the use of bank cards has become an inseparable part of our lives, and many people may stop using a bank card for various reasons. However, most people will not choose to cancel their bank cards at the bank counter, because the bank counter has a series of complicated processes such as taking numbers and queuing, so many people choose not to use this bank card directly and put it in the corner.
So, will you deduct money from unused bank cards? We all know that if you use a bank card, the bank will charge some fees, such as SMS service fee, annual fee, management fee and so on. If you don't use the bank card for a long time, will there be a charge if there is no deposit in the card? The answer is yes.
But it still depends on the situation, such as the SMS service fee of the bank card. Of course, this fee is optional for individuals. If it is opened, it will be automatically deducted from your account every month. If there is no deposit in the account, it will still be a charge. This time? Arrears? In the next six months, if any funds are deposited in this account, it will be deducted at one time. If there is no capital flow in the account for more than 6 months, the bookkeeping will stop.
There are also bank card management fees and annual fees, which can actually be avoided after 20 17, but everyone in the same bank has only one bank card exemption right, so you need to take the initiative to ask the bank, otherwise the bank will not tell you that you have this right.
Every bank has different cleaning measures for automatic account cancellation. For example, Bank of China, one of the four major banks, is very strict. If there is no balance in the account within half a year and there is no transaction, it will take the initiative to help you close the account, and this bank card will be invalidated directly. In the words of ICBC, accounts that have not been traded for more than six months are classified as fixed accounts for management. Agricultural Bank of China classifies accounts with no transaction record for more than 18 months as fixed accounts. On the other hand, China Construction Bank classifies bank cards with an account balance of less than 100 yuan for more than three years as fixed accounts.
So, for what? Credit card? What happens if you don't use it or cancel it? First of all, the annual fee of credit card must be paid every year, but some bank cards will stipulate that you will automatically return the annual fee to your account after you have spent enough. If you don't use it for a long time and don't apply to the bank for cancellation, the overdue annual fee will be treated as overdue, won't it? Credit information? .
If you want to cancel a credit card, you need to make sure that there is no debt in the card. Only when all the debts in the card are paid off will the bank give you the right to cancel the account. Therefore, if you don't use a credit card, you must cancel your account. Otherwise, owing a large amount of annual fees overdue will also affect personal credit information, and it will be difficult to apply for mortgage and car loan in the future.
In fact, many people don't know that bank cards will charge a lot of fees when handling and using them. Although a lot of money seems small, all the expenses are not small. For example, it costs 5 yuan to apply for a card, 3 yuan for online banking to open SMS service every month, and 20 yuan for mobile banking to apply for an electronic token. Counting this item by item, the cost is not small.
For the use of bank cards, in fact, most people will still specify 1 turn 2 cards, and others may be put aside for short-term use. Most people haven't the habit of canceling their accounts without using them. General savings card debt does not need to be paid off and will not be recorded. However, you still need a healthy card. If you don't use it, go to the bank to cancel it, so as not to be affected when you handle other banking business in the future.