Not using the card for a long time and not having the time to go to the bank to cancel it has no effect. Of course, there is no effect only if there are no fees, but if there are annual fees, SMS and other fees, there is an effect. Nowadays, you don't have to pay the annual fee for bank cards, but you need to go to the bank's business department and do it yourself. But SMS, if you don't need it, you can also turn it off, if you need it, it's about 2 yuan per month.

Of course, the long-term non-use, if you do not have enough fees in the card to deduct the annual fee, SMS or other fees, there may be an impact, such as arrears in the bank, after all, there is a fee in this. The impact is not big, belong to the small impact, the general bank card is in arrears, the bank will call you, and even the bank now do not give you a call, when you can not deduct the cost of the card successfully when you directly suspend to provide you with the service of processing.

Long-term use of the bank card, I personally believe that it is best to cancel the card. Everyone's understanding of the bank, may still be stuck in ten years ago, that for what business have to go to the bank business department in order to deal with, to queue up, to fill in the form, to wait, less than an hour, more than one day can not handle down. However, now for the bank business, basically simplified, not only can call for, but also in the cell phone.

So, if you don't use your bank card for a long time and you don't have time to go to the bank to cancel it, you can call your bank and then process the cancellation through human service, the customer service will tell you how to deal with it, it's not complicated and very simple. Then again, you can cancel it through mobile banking, which is also feasible.

If, in the future, there is a possibility of using it but there are fees in it, you can still keep the bank card and you can cancel all the items in the card that generate fees. However, canceling the items that incur fees will require a trip to the bank, and you can find a free time to do so. Nowadays, banks are also very directional when it comes to canceling, and unlike the original queue to do it, you can now do it on your own at the machine.

Bank cards can be broadly categorized into two types: debit cards and credit cards, and here we'll go over each.

debit cards

Debit card, which is commonly known as savings card, refers to a personal account that we open in a bank for our daily use such as depositing and withdrawing money, transferring money and paying for purchases.

Let's take a look to understand how debit cards can affect us if they are not canceled in a timely manner.

When you open a debit card, there will be a certain fee, and this fee includes: labor cost, annual fee, account management fee, SMS service fee, etc. However, not all banks charge all these fees. Especially after the central bank has issued the relevant policy requirements, like the annual fee, small account management fee has been eliminated. However, this fee waiver, again, needs to go to the account bank.

If you don't use the debit card for a long time, the bank will deduct the fees every year until the balance of the card becomes 0. After 2-5 years, the bank will voluntarily cancel our debit card card.

But, in the meantime, there are still some implications for us.

• Unable to open a new debit card with the bank
  For example, we don't know where we put the debit card we had before, and when we want to go to the bank to get another one, we will encounter this problem. The central bank stipulates that when an individual has already opened a category 1 account in the same bank, he cannot open a new category 1 account again, but only a category 2 account, which is restricted in terms of transactions and consumption.
• Expenses such as annual fees, account management fees, etc.
  While these debit card fees don't amount to much money in total, they do take a little bit of money out of our accounts.
• risk of information leakage
  If our debit card is obtained by an unsuspecting person, there is a possibility that some personal information on our debit card can be obtained illegally through some technical means.
• Money-laundering risks
  Likewise, we are vulnerable to unsuspecting people who use our debit cards for money laundering transactions after fraudulently obtaining them.

Therefore, it is still necessary to cancel your card. And, never lend your debit card to anyone else. If you lose it, just lose it in time and cancel the card when you don't use it.

credit cards

A credit card, commonly known as a credit card, is a bank card that is used for overdrafts based on the creditworthiness of the individual.

Let's take a look to understand how a credit card can affect us if we don't cancel it in time.

• Opened Unused
  In the event that a credit card has been activated, but not used, there are two possibilities:
  When the credit card annual fee policy is a condition of lifetime annual fee waiver, when activating this credit card without using it, you will not be charged any fees, and you will not incur a late payment.
  When the credit card annual fee policy is a condition that the annual fee is waived for the duration of the validity of theYou will not be charged an annual fee if there are no transactions during the life of the credit card.
  When the credit card held is activated under the condition that it will incur an annual feeBy deducting the annual fee, the credit card will incur an outstanding amount, which will be overdue if not paid in time, and affect our personal credit record.
• Not opened and not used
  When our credit card is neither activated nor used, it generally does not affect us, but there is a special case that we will learn about.
  When we apply for a credit card that is of a special type, including cardboard customization, expedited card issuance, rigid annual fee, etc.Once the card is successfully approved, the appropriate annual fee or card production fee is charged, regardless of whether the credit card is activated or not.If we do not activate this credit card and return the outstanding amount in time, we will incur a late record, which will affect our personal credit.

Therefore, for credit cards, it is even more necessary to cancel them in a timely manner if you do not use them, otherwise a single negligence can have such a significant impact as affecting your credit. Even if the credit card does not charge any fees, it will still show a credit card information on the credit, and take up a certain amount of indebtedness. Therefore, it is better to cancel in time, and to cancel a credit card, you just need to call the bank's customer service phone number, stating that you need to cancel the card.

Finally, to conclude, whether it is a debit card or a credit card, it is essential to cancel it in time when you are not using it for safety reasons.

Hello.

1、Ordinary debit card/savings card, long-term non-use, the general bank will freeze the small account if not used for about 3 years, and will automatically cancel the account if not used for about 5 years, long-term non-use of the card, re-use may need to pay the account management fee/small management fee, please call the bank's customer service to inquire about the details.

Now the bank can cancel any branch in the country, it is recommended that it is best to go to cancel the card.

2, if it is a credit card/credit card, this is generally pay off the arrears, you can directly call the bank for cancellation, credit card is not used for a long time, be sure to cancel, because there is an annual fee, arrears on the central bank credit, affecting the future mortgage car loans and so on.

I hope the above answer is helpful!

Long-term unused bank cards must be canceled, because the banking system according to the user's business, such as debit and credit cards to be included in the bad credit record will affect the individual's future business.

Although it is said that bank savings cards are not the same as credit cards and do not generate overdrafts, and naturally they will not be overdue and affect personal credit, there will still be some impacts on cardholders to a greater or lesser extent!

Impact 1: The account balance will decrease until it reaches "0".

Bank cards that have not been used for a long time will automatically deduct a small fund management fee of $3/quarter or $12 per year once the account balance is less than $300 ($500 for some banks). If you open the SMS banking (2 yuan / month), plus the annual fee, you need to deduct 46 yuan a year. In this way, I am afraid that within a few years, the account balance will become "0".

Friendly reminder:Although it is policy that small fund management fees and annual fees are waived for the first bank card, the prerequisite is that the cardholder needs to go to a bank branch to apply for the waiver!

Impact 2: Sleeping account activation, need to make up the outstanding amount

When the balance of the bank account is "0", and there is no other payment in lieu of payment, and the card is not used for a long period of time (usually three years), the bank card will be automatically converted to a sleeping account.At this point, if you continue not to use it for more than a certain period of time, it is possible that your account will be automatically canceled!

According to incomplete statistics, at present, the country's major banks have more than 2.1 billion "sleep card", the future of the bank is bound to increase the disposal of this type of account!的Strength!

Also, if the sleeping account needs to be reusedIf you do, you will have to pay the fees you previously owed (small fund management fees, etc.) before you can activate and use it properly!

As an example, a bank account has not been used or canceled in four years, and $48 is owed for small fund management fees. At this point.in the event thatIf you need to reactivate it, you'll have to pay the $48 in arrears before you can use it properly!

Impact III: New bank cards, defaulting to Type II accounts, with an annual fee of $10 automatically deducted each year (free for the first year)

The other effect of not canceling a bank card that has not been used for a long time is that if the cardholder goes to the same bank to reapply for a bank card, the system will default to a Class II account with an annual fee of $10, which will automatically be deducted from the account each year!

In short, it's best to go to the bank and cancel your bank card in time if you haven't used it for a long time! Otherwise, although it will not cause their credit default, but it will still have some negative impact!

Welcome to leave a message in the comments section to exchange! Financial issues on the click to pay attention to the [financial people think], remember to more and more points praise Oh!

I've been working in grassroots banking for many years and I'll tell you one very important thing:

If you don't use your bank card, don't just throw it away, make sure you cancel it at the bank. If you don't cancel it for a long time, not only will it affect your ability to open a new card in the future, but it's very likely that you'll fall back on the money you owe the bank.

Many people may meet such a thing, a bank card, there are still dozens of hundreds of dollars. After a few years of not using it, then go to the bank counter to check, the balance is actually zero.

What is all this about? How is it possible for a bank to deduct money from a bank card without the customer's consent?

Let's get one thing straight, what are the charges in a bank card?

What are the charges for a bank card?

1 . Micro-management fees

What is a small management fee?

That is, when the balance of your bank card is less than a certain amount, not only is there no interest. The bank will also deduct a fee every quarter for managing the account for the customer.

Like the post office, once your bank card balance falls below $100, there is a $3 micro-admin fee that is deducted each quarter.

ICBC, with a card balance of less than $200, also deducts a $3 micro-management fee each quarter.

For Construction Bank, a $3 micro-management fee is deducted each quarter for card balances below $300.

So, let's say you have a post office bank card with only $50 in it, you'll be charged a small administrative fee of $3 per quarter, that's $12 a year, and it won't take more than a couple of years for the balance to be zeroed out.

So when it's cleared, will you owe the bank money backwards?

It won't.

A small administration fee, which is not calculated once the balance is zero.

2 . SMS Alert Service Fee

Text message alerts, which we are all familiar with, are sent to your cell phone whenever there is a change in your bank card current account balance.

Except for some small banks, basically the big banks charge for their SMS alert services.

The rates are pretty consistent, usually 3 bucks a month. If it's a yearly subscription, it's 30 bucks a year.

This text message alert, once you've turned it on, costs the same whether you use it again or not, and no matter how many texts you send in a year.

Even if you don't use this bank card anymore and haven't had a single text message in a year, that's still the same deduction.

Let's say you have a construction bank card with $200 in it. If you don't use it for a long time, you don't bother to cancel the account.

With a $30 deduction for a year's text alerts and a $12 deduction for a year's micro-management fee, it won't take more than four years to lose the $200 on your bank card.

Is it over when the money is gone?

No.

The SMS reminder will keep on charging and your card will just show up as delinquent in the banking system. If you want to cancel your account in the future, you will have to pay up the money you owe before you can cancel your account.

If you don't cancel your account, then you won't be able to get a class of bank card in the future.

The bank card is not used for a long time and some other negative effects.

A bank card that has not been used for a long time will be frozen by the bank and restricted from over-the-counter transactions. If you want to use the card in the future, you must bring your ID card to the counter of that bank to unlock it.

And now the bank rules state that a person can only have one type of account bank card in a bank.

You can't process a new type of bank card without canceling your old one. And there are special bank cards that cannot be canceled or lost across provinces.

Finally, I will tell you a very important thing, must be remembered: many people only know credit card on the credit, in fact, the savings card is also on the credit!

You will also show up on your credit card if you have taken out an unusually large number of savings cards.

If you work in a bank like me, every year your organization has to check your credit. Each employee is required to hold no more than five savings bank cards in total.

Don't be careless with bank cards you don't use, it's best to cancel them.

Bank cards are not used for a long period of time and are automatically canceled after more than two years!

Many people know this phrase, while in reality, only a small number of bank cards that have not been tied to any agreement can be automatically canceled.

More than eighty percent of bank cards that have previously been tied to agreements and run various businesses cannot be automatically canceled.

So, when a bank card is ready to be unused for a long time, it is best to just go ahead and cancel the account and deal with it. Leaving it unused for a long time will not only bring you financial losses, but may even affect your credit.

There is no impact, there will be no annual fee or small account management fee. Mr. De has taken a closer look at this aspect and gives you the logic.

1. Starting from 2000, many commercial banks, in order to generate more profits and increase intermediary business income, began to charge annual fees and small account management fees for savings cards, with reference to foreign banks. Generally, the annual fee is 10~20 yuan, and the small account fee is a few dollars per quarter when the daily average is lower than a certain standard. There were many complaints about this regulation, and the People's Bank of China gradually solved the problem by taking the following three steps.

2. In 2011, the People's Bank of China (PBOC) required commercial banks to disallow the charging of account management fees for certain specific purpose accounts, such as salary accounts, pension accounts, etc. In 2014, the PBOC again issued a regulation on the "double waiver" of these two fees, but only for a single card, and it must be applied for at the bank. The double waiver must be processed at the bank.

3. In 2017, the People's Bank of China came out with the final regulations, which do not allow banks to charge these two fees, completely ending the practice of commercial banks to charge annual fees and account management fees for savings cards. In fact, there is a deeper reason for this, which is.

4. The People's Bank of China has implemented separate management for all savings cards, with one type of account, two types of account and three types of account. Each depositor can only have one Type I account in a bank, and all the rest are Type II or Type III accounts. In this case, there is no point in charging an annual fee or account management fee, since any excess savings cards can be turned into Type II electronic accounts and hung under the only Type I account.

5. So a bank debit card that has not been used for a long time and has not been canceled will not have any problems. The bank may send a notice to prompt you, because the card has not been used for a long time and has not been canceled, prompted as soon as possible to improve the work of real-name verification, or will turn this card into a second-class account, hanging in other bank cards under.

Mr. De talks about finance and money management, from the professional to the layman, if you think it's good, follow me! And more likes.

Long-term unused bank cards, and do not have time to go to the bank to cancel, this is a lot of people in reality will encounter a situation, so these long-term did not cancel the bank card, for the user, will cause any adverse effects?

Bank Card Classification

Bank cards, in simple terms, fall into two categories:Debit and credit cardsThe consequences of not canceling these two types of cards are completely different. The consequences of not canceling these two types of cards are completely different.

1. Debit cards

Debit cards are the savings cards that we are familiar with everyday, for savings cards, if they are not used for a long time and do not have the time to go to the bank to cancel them, it will not cause much impact on the user. There are two endings for debit cards that are not canceled for a long time:

(1) When a debit card is tied to a fund account, securities account, etc., then this account will always be there, even if the card doesn't have any money balance on it. There is a downside to having this account for a long time, it will take up a slot in one of your bank accounts. At present, each person is only allowed to apply for one type of card account in one bank; secondly, one bank will only grant one account exemption from annual fees and account management fees, so if your account is not canceled, it will have an impact on your ability to continue to open an account in the same bank.

(2) Debit card is not bound to the relevant business: if the debit card is not bound to the relevant business, there is money in the card and the account has been exempted from the annual fee and the small account management fee, if you do not open the SMS notification, then the account will always exist (because there is a balance in the account); if the card does not have any money, then after 1-3 years (different banks have different time rules), the card will be If the card does not have any funds, then after 1-3 years (different banks have different time rules), the card will be turned into a sleeping account. After the card is turned into a sleeping account, after 1-3 years, if the card still does not have any transaction records, then the bank will automatically cancel the card in order to reduce the burden on the bank's servers, so you may not be able to find the card if you check with the bank in a couple of years.

2. Credit cards

Credit cards, or credit cards as we are familiar with them on a daily basis, can create a number of problems if they are not canceled in a timely manner, as opposed to debit cards, which don't affect your credit regardless of whether they are canceled or not. Credit cards are different from savings cards in that they have an annual fee (rigid platinum credit cards go without saying, and even regular gold cards don't have an annual fee because you qualify for the six card swipes to waive the annual fee for the following year), so if you don't use your credit card for a long period of time and don't cancel it, your credit card will incur an annual fee and cause you to owe it as time goes on. And once you do not return it in time, then your personal credit report will produce a stain, so that credit card once you do not intend to use, be sure to cancel it, otherwise the subsequent failure to pay in time, your personal credit will be affected!

In life, many people have this experience, in the bank opened the card, but a long time not to use, even if the card inside the money is not, will not go to cancel, so it has been put.

There are two main mentalities of people who keep their cards unused: one is that they are too lazy to cancel them, and the other is that they are thinking of keeping them for a rainy day when they might need them.

Whichever way you look at it, not canceling your bank card even if you don't use it for a long period of time can be a hidden danger.

What happens if a bank card is left unused for a long time, with no money on it and no cancellation?

Consequence 1: incurring certain costs.

A lot of banks still charge annual fees, small management fees, Internet banking fees and so on, although the bank card is zero balance, the system can not be deducted into a negative number, only the system first recorded, waiting for the "settle scores", once the transfer or deposits, the system immediately deducted the previous fees owed together.

After we open an account in the bank, the bank card will incur a fixed fee from the time of opening the account, with various types of names specifically:

1. The labor cost is 5 yuan (10 yuan for some chip cards);

2. Annual fee of $10 and a small account management fee of at least $3 per quarter, totaling at least $27;

3. SMS service fee.

When you open the card, the bank staff will ask you if you need to turn on the SMS service, if you choose to do so, then you will incur a SMS service fee. It is at least $2 per month or $24 for the year.

Adding up the fees for all three of these titles, to open a card at a bank, we would have to pay 5+3*4+10+2*12=$51 in the first year of opening the card, and starting in the second year, we would have to pay 10+3*4+2*12=$46 per year.

Over 10 years, you'll pay a total of $460-$510 for one card, $4,600-$5,100 for 10 cards, and so on.

Even if you don't use the card and have a zero balance, the above fees are calculated as usual and will be charged by the bank when you have funds on your card.

There may be some people will have doubts: August 1 this year, the central bank has not issued regulations "on the suspension of basic service fees of financial institutions notice"? According to this regulation, the annual fee of bank cards and small account management fees have been canceled, there will be no more problems ah.

Yes, but it is important to understand that the requirement is that you must go to the bank and confirm the "double waiver" (annual fee waiver and small account management fee waiver) account in person, otherwise the bank will continue to charge you.

Not only that, but if you have a lot of cards, you can only apply for one waiver, and the other bank cards don't get the free service.

Consequence two: risk potential

For the card without any balance, long-term non-use of the card, we call the sleeper account, sleeper account generally as long as more than five years (each bank is different, some are 10 years), the bank will automatically cancel the card (the bank's system also has a carrying capacity), but the bank card in the period of sleep, there will be a number of hidden dangers.

Hazard #1: Affects personal credit history.Bank credit cards appear on the cardholder's credit report whenever the application is approved by the bank, the card is issued, activated or not. It is very likely that the cardholder will default on the annual fee without his/her knowledge, thus affecting his/her credit history.

Hazard #2: Increased risk of theft.A "sleeping account" is in a state of sleep for a long period of time, and is not easily noticed by the cardholder after being acquired by others, thus increasing the risk of theft.

Hazard 3: laying hidden dangers for buying and selling accounts, opening accounts under false names and opening accounts under fictitious agency relationships.Bank cards that are not used for a long period of time may face the risk of lawbreakers using high technology to duplicate the card, steal card customer information, illegally sell the card and personal information, use the duplicated card to engage in illegal transactions, and use the stolen personal information to conduct a variety of fraudulent activities.

According to the public security authorities, in the current new types of criminal activities in the telecommunications network, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is the direct purchase of bank accounts and payment accounts opened by individuals.

Hazard 4: Waste of management resources.Sleeping accounts can lead to a waste of bank management resources, wasting the bank's cost of keeping the cards.

Consequence #3: It will be a hassle to get another card in the future

If you have a card that you have not used for a long time, it will be very troublesome for you to get a new card in the future, because the class of the card will be automatically canceled in the future, and the use of this kind of bank card will also be restricted. If you don't want to use the old card, but want to go to the bank to get a new card, then the new card you get will only be a Class II account, not a Class I full-featured account. It will be very inconvenient in the future!

So how do you cancel an unused bank card?

1, cancel the bank card, as long as the cardholder will be the bank card and my ID card to the same bank with the opening bank, apply for cancellation can be.

2. If you lose your bank card, you will also need to replace it with a new one before canceling your account.

3. If a credit card is involved, you can also call the credit card center to cancel it yourself.

4, the card canceled after the general staff will be cut card processing, if not, it is recommended that you cut off their own.

Finally, a friendly reminder to remember to cancel your idle bank card as soon as possible to reduce your card risk and eliminate future hidden dangers and trouble!

Not depositing and canceling your bank card for a long period of time may result in the following consequences:

First, it affects personal credit records (caused by overdue credit card payments);

(b) Increase cardholders' expenses (only one savings card of the same name is allowed in a bank to waive the annual fee);

Third, it increases the risk of card theft;

IV: Waste of resources for bank management.

To summarize, it is better to cancel bank cards (including credit cards and savings cards) that you have not used for a long time or never plan to use again.