Bank card is not used for a long time,
Money is done not have to also be not cancelled inside,
What consequence can you have?
Small letter should be bound handle bank card surely, pay treasure to want to bind calm bank card, get salary to handle designation bank card even! Anyhow, one character disagreement is about the bank gets stuck.
A piece of bank gets stuck from open an account 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.
Someone says, the country since August 1 developed innovation last year appoint, Chinese silver-colored inspect already can publish a regulation " the announcement that collects fees about cancel and suspending finance of foundation of commercial bank part serving " , its are middleaged cost and small Zhang canal cost already cancelled. But remember please, you must affirm personally to the bank " double avoid " account, otherwise uniform continue collection.
Because you did not use card for a long time, did not go to a bank naturally affirming, illuminate of course close not by accident. If you have much Zhang Ka, also can discharge a piece only, other bank card cannot enjoy free service.
So, bank card is not used for a long time, money is done not have to also be not cancelled inside, how be met?
The bank should help you freeze sell next door.
Since 2017, the management that the bank blocks to sleep deeply raises the price of the commodities ceaselessly, because, the unused bank in the hand blocks everybody too much, it is in light of countrywide limits, unused card amount exceeded 2.1 billion pieces, so, each bank adopts measure to undertake clearing early or late.
Before this, announcement of the bank that enrol business called protective account safety, begin from July 15, 2017, did not use for a long time to according with a condition and remaining sum undertakes selling a processing for the individual account of 0.
Pu Fayin manages again all right upgrade: Begin from November 2017, to be before December 31, 2016 (contain) hairpin and before this year 3 quarters did not produce any trading " double 0 calories " undertake account information management upgrade.
What is double 0 calories?
"Double 0 calories " it is to show deposit remaining sum is mixed should plan, not plan interest number all is the bank card of 0.
And construction bank says, if was not used for a long time,the bank gets stuck can turn into really " Morpheus door " , without deal with according to law manage is not ark range business, if the remaining sum inside card is 0, turn into the likelihood is cancelled after Morpheus door, "If was to lose,had better fill do, doing anew to block that directly is not I kind got stuck. Doing anew to block that directly is not I kind got stuck..
Since Central Bank regulation: The individual has opened Ⅰ in same home bank kind door, open Ⅰ newly no longer kind door, can open Ⅱ , Ⅲ only kind door, two kinds of account are after on scope of application not as good as I kind door, there also is amount to restrict in daily consumption and pay cost respect, super inconvenience.
One netizen spits groove: One's early years he goes to school in Shenzhen the bank that run gets stuck, went 5 years now, go to work in native place all the time, want to open an account in native place, say then Zhang Ka was not sold door, can handle 2 kinds of card only, and want to sell door should carry id card, bankbook, bank card goes to Shenzhen selling door, this has bit of hole!
The card counter that a classmate says him with me is sold do not drop, the accredit manager that seek, a dactylogram is done decided, feel sad! If you also encounter this kind of situation, can you ask bar what method the staff member has to you can be sold? The much bank that change the home asks again.
Actually, we can block before that piece fall it is 2 kinds, do that piece newly to be a kind, perhaps want to sell really again door can bar report the loss of sth is sold next door, handle card afresh next.
Still some of staff member can say with you: Unused card was lost is, perhaps cut with scissors two half, affect without what again. Actually, it is influential, everybody must not so dry.
Need not had better be to be cancelled, because same a place is same the effect that the first piece of card suffers when domestic bank attends a meeting the 2nd piece of card, some business cannot do, although method is solved, but troublesome!
Deposit card was frozen is bagatelle, if be credit card,was frozen, you should notice, after credit card is frozen, cannot use, though cannot brush card to trade, but because was not sold door, still can produce year of cost so.
So, to avoid to appear this is planted phenomenon, if credit card is frozen and there is debt inside card, had better be to cancel credit card, but if still want to continue to use card, be about to know clear credit card by frozen reason, next suit the remedy to the case thinks method defrost credit card.
A large number of " sleep deeply gets stuck " existence, waste bank natural resources badly not only, also meet the person that hold card bring many influences at the same time.
"Sleep deeply gets stuck " put in 5 big hidden trouble
The reporter referred customer service of a few banks and relevant trade the discovery after wife person, look be like hurtless " sleep deeply gets stuck " put in a lot of hidden trouble actually:
Endanger one: Affect individual credence to record.
Want credit card to applied for to be approved by the bank only, card was sent, activation, in the credit report that can appear in the person that hold card. The person that hold card falls probably in unwitting circumstance, default year of cost, affect individual credence to record thereby.
Endanger 2: Raise pay of the person that hold card.
The credit card of certain special type of individual bank, no matter whether activation, once hold calorie of person to sign,affirm, the bank is met collection year cost, raise the pay of the person that hold card.
Endanger 3: Increase pilfer to brush a risk.
"Sleep deeply gets stuck " be in Morpheus condition for a long time, after be being gotten by other be held not easily to block a person to be aware of, pilfer brushs a risk to soar.
Endanger 4: For buying and selling account, go under sb else's name opens an account and imaginary representative relation opens an account bury next hidden trouble.
According to report of public security office, in current and telegraphic network in activity of new-style illegal crime, the bank account that the criminal uses at diverting bilk fund and pay one of account, the bank account that buys an individual to open directly namely and pay account.
Endanger 5: Administrative natural resources is wasteful.
Create waste of bank management natural resources, long-term immobile account still became bank interior risk to nod.
How is unused bank card cancelled?
1, cancel bank card, should hold card only the person blocks the bank and this person Id takes as same as bank driving wedge bank, application is cancelled can.
2, if your bank card is missing, still need to fill first do a piece of bank to get stuck, reentry be on sale door.
3, if involve credit card, the telephone that also can dial credit card center by oneself undertakes cancelling.
4, after card was cancelled, common staff member can make processing shears card, if do not have some words to suggest yourself is cut off, throw different garbage can respectively next in.
Everybody knows, the bank gets stuck open a lot of information that contains you, for instance full name, address, mobile phone number, id number, the multinomial individual privacy such as bank card number is important information.
Although the bank is accountability,protect privacy information for you, but who can assure no risk at all again? So, unused card sells proposal everybody as early as possible door, put an end to hidden trouble and trouble stoutly.
Deserted bank gets stuck
How are you handled?
