Bank cards are a common financial tool used by us to store funds in our daily life, whether it is daily consumption, transfer, investment and financial management, etc., bank cards can provide convenient services.
However, some people have applied for multiple bank cards, and some bank cards are idle and there is no money in them. Should this kind of bank card be "closed" or "kept"? Look at the risk told by the bank's friends, and suffer less!
1. Idle bank cards will incur fees
Generally speaking, a savings card requires you to deposit money yourself before you can withdraw or spend money.
Credit cards do not require the cardholder to withdraw money to deposit money, but can directly use the funds in it to spend.
The fees incurred by the two types of cards are different when they are not in use, or when there is no money in the card.
Banks will have a minimum limit on the amount of money that can be added to the debit card, and if the standard is not met, the bank will generally charge a fee for the management of the account.
This fee can be the management fee incurred by the bank in order to ensure that the subsequent bank card can be used normally again, or cancelled.
In addition, when applying for a bank card, many people will open a text message reminder service, the general amount is 3 yuan / month, although the amount is not large, but the cumulative amount is not in decimal places.
A series of fees incurred by the bank card are basically paid directly with the balance in the card. Since there is no money in the bank card and it has not been used for a long time, the account may be in arrears, and the account may be frozen for a long time.
Credit cards can be used for early consumption, which simply means that the bank applies for different fund limits according to each person's situation through the understanding of the cardholder's financial situation.
However, when the cardholder uses the overdraft amount on the credit card, the repayment will need to be made within the stipulated time. Failure to repay the loan on time will incur costs such as interest and late fees, and will accumulate over time, and the fees will increase over time.
2. There is a risk of theft of idle cards
There may also be theft of bank cards, and many people don't have money in their cards, and they won't care if they lose them. However, even if you don't have money, there is a great risk of losing your bank card, and it is likely that your personal information will be leaked.
If these criminals use this information, they may create virtual accounts, apply for loans, or other illegal activities, which will bring a lot of losses to the cardholder.
In addition, it is possible to commit online fraud, money laundering and illegal transfer through this card. According to the law, cardholders are likely to be legally liable and may be implicated by not being able to prove their innocence.
Many people don't pay too much attention to bank cards without money, and only find out that the bank card has been stolen after being implicated, and the loss may be relatively large at this time.
When the cardholder finds that the bank card is lost, he must contact the corresponding bank customer as soon as possible to report the loss. When the bank card is reported as lost, it can prevent fraudsters from continuing to use the card for transactions, and ensure the information security of the account to the greatest extent.
3. Failure to cancel idle cards will affect credit reporting
Bank cards are not only simple fund storage, but also transactions through bank cards will be recorded, and these records will be associated with everyone's credit information, such as if you want to buy a house, buy a car, take out a loan, apply for a credit card, etc., if the credit information is not up to standard, you cannot apply for these financial behaviors.
If the bank card has no money and is idle for a long time, and the bank manages the fees incurred after it, and these fees cannot be paid in time, there will be arrears. These fees may appear on an individual's credit report and therefore affect the individual's credit rating.
When the cardholder overdraws the limit in advance, but fails to repay the loan after the deadline, the corresponding interest will increase. When you owe money for a long time, it will affect your personal credit reporting. These records will follow the cardholder all the way to the time when applying for financial services such as loans, as these negative records may be rejected.
Therefore, if you do not use it for a long time, you should also pay attention to the status of the bank card, so as not to affect the credit investigation due to long-term idleness.
If it is determined that the bank card will not be used in the future, you can bring the relevant information to the local bank to cancel the bank card to avoid various risks due to idle bank cards.
summary
If you don't use a bank card for a long time, you can cancel your account if you are worried about the risk. If you continue to use it in the future and choose to keep your bank card, you need to strengthen the management of your bank card, strengthen the protection of your bank card, ensure the security of your personal information, and pay attention to the status of your bank card to maintain a good credit record.