A lot of people can be encountered now did a lot of banks to get stuck, but discover those who use to have those 9 pieces only, card of a lot of banks is to stem from idle to abandon position, then such bank card is not cancelled, have do not use, can you have what effect to oneself? A piece of bank gets stuck from open case, secure charge as follows with respect to meeting generation: Cost of production 5 yuan (some chip block 10 yuan of) , year expend 10 yuan, small account administration fee every quarter at least 3 yuan, aggregate at least 27 yuan. Eliminate cost of production, begin from the 2nd year annual at least 22 yuan. If open Wu of short be convinced, every months at least 2 yuan, annual 24 yuan, 3 cost are total at least 46 yuan. Although you need not get stuck for a long time, and card remaining sum is 0, above charge reflects consideration not by accident, wait for when there is fund on card, buckle along with all the others close.
Usually, bank card is pressed whether to give the person that hold card to award letter forehead to spend cent to be mixed for credit card borrow write down card. One, credit card: Credit card is divided again write down to borrow get stuck and borrow definitely write down card. We at ordinary times the commonnest is to borrow write down card. Borrow writing down card is to show hairpin bank gives the person that hold card proper line of credit, the person that hold card can be consumed first inside line of credit, hind the credit card of reimbursement. After the individual applies for to open credit card, if did not activation its all the time, that is equal to the card that is a piece of blank no use, although be not used for a long time, to holding card the person also won't produce any effects. But if card already activationed, long-term unused word, the bank can buckle year of expenses with close certain every year, and year of cost of credit card is average taller (year of cost of major credit card be in 100 yuan / card / year or above) . 2, borrow write down card: Borrow write down card not to contain line of credit, cannot overdraw, belong to average settle accounts account. If borrow,write down card to be not used for a long time, if money is being done not have again inside card, open an account the bank also can be buckled every year collect year of fee (general 10 yuan / card / year) , and major bank still has collection in every quarter small account administration fee (general according to 1 yuan / card / standard collection of the month) , borrow so write down card to also can produce the situation that owe cost, but the circumstance that owe cost won't bring into individual credit system, the credence that won't affect householder is recorded.
What need a specification particularly is, the credit card of a lot of banks can for years cost, if be not used for a long time, the bank also can expire in annual meeting deadline deduct year of cost, was equivalent to individual expenditure spending actually, such year after cost is deducted meet after a month normally according to regular consumption reimbursement clew individual is in second month undertakes reimbursement. Additional, reimbursement had better be entire still section, otherwise although you owe a few money, money of a few wool, even 1 minute of money, all accrual are come according to total amount calculative. For instance you consumed 30 thousand yuan, but reimbursement 29500 yuan, that 500 defective yuan accrual is not calculate according to 500 yuan, calculate according to 30 thousand yuan however, so, credit card consumption must be careful, everybody should be familiar with corresponding consumption regulation.
If what doesn't the individual pay close attention to the consequence that his credit card produces for a long time to have? Meet what affect an individual badly above all sign a letter, if individual room is borrowed,apply for a likelihood by refus, by air Gaotie cannot buy a ticket possibly to wait. Although individual hold credit card does not have the project deducting cost such as year of cost, if be not used for a long time, suggest or be cancelled as far as possible, although want money settle only won't produce big consequence, but card is too much, also do not facilitate oneself manage, still can have safe hidden trouble sometimes. No matter be individual deposit card or credit card, cause needless trouble to oneself to avoid future, have time or be cancelled actively.
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