If there is no money on the bank card, should it be "cancelled" or "kept"? Thanks to the reminder of the bank friend, it is necessary to avoid losses
Hello guys, today we're going to talk about those things about bank cards. Have you ever had the experience of running out of money in your bank card and leaving it there? So what should we do with these "idle" bank cards? Should we close the account or keep it? Don't worry, I'll give you a tip!
First of all, you have to understand that if you have no money in your bank card, then the bank will not "do anything" to you. This means that you won't be fined or blacklisted for not having any money in your card. However, if you don't use your bank card for a long time, there are still some things to be aware of.
So, let's take a look, if you have no money in your bank card, should you cancel your account or keep it?
If your bank card is a salary card or has other special purposes, such as a social security card, provident fund card, etc., although these cards are out of money now, they may be useful in the future. So, for these cards, my advice is to "keep it". In addition, some bank credit cards have an annual fee, if you don't have money in your card and you don't use the credit card anymore, then it's best to go to the bank to close your account to avoid unnecessary fees.
If your bank card is a regular savings card and you have decided that you will no longer use it, then I recommend that you go to the bank to cancel your account. After all, if you don't close your account, the card may incur some fees before you know it, such as small management fees, SMS notification fees, and more. Moreover, if you do not close your account, the card may also be used by criminals, such as fraud, money laundering and other activities. So, to be on the safe side, it's better to go to the bank to close your account.
So, how to close the account? Actually, it's very simple, you just need to bring your ID card and bank card to the bank counter. Before closing your account, the bank will ask you to confirm that the balance on your card has been withdrawn. After the confirmation, the bank will complete the account closure procedures for you.
However, I would like to remind you that if your bank card is bound to some other services, such as water, electricity and gas, etc., you must unbind it before canceling the account. Otherwise, it may affect your daily life!
Well, with all that said, I'm sure you already know what to do with those "unused" cards. In fact, whether it is to cancel the account or keep it, the most important thing is that we must have a good Xi of using the card. Always pay attention to protect your personal information and account security, and do not lend your bank card to others or leak personal information on the Internet.
Finally, I would like to thank my bank friends for reminding me and helping me. I also hope that this article can help more friends, so that everyone can take fewer detours and suffer less losses in the process of using the card. Well, thank you for your interview and communication today! I hope we can continue to pay attention to more hot topics about finance and life in the future!