Bank cards, as an indispensable part of modern financial life, are in contact with almost everyone. From credit cards to debit cards, there is a wide variety. But the question is, when a bank card is not used for a long time, does not save money and does not close the account, will it invisibly owe bank fees?
In fact, not using a bank card that does not deposit money and does not cancel the account does not cause us to owe money. Today, I will explain the specific situation to you.
First of all, we need to make it clear that there are two types of bank cards: debit cards and credit cards.
The first, credit cards. If we don't have it, we don't need to pay anything. However, once we open a credit card, if we do not make purchases for a long time, we may have to pay an annual fee of several hundred yuan every year.
It is only when we make a purchase and repay it in a timely manner that we can avoid paying the annual fee. Normally, you need to make at least 3 to 6 purchases in a year, and the annual fee will be waived as long as you reach this number of purchases, regardless of the amount of each purchase. Of course, if we don't open a credit card, we don't have to pay anything.
The second, a savings card. When we opened our first debit card at the bank, it was free. For example, if we open an account with Japan Post Bank, the first account is free. However, when we open a second account, we may need to pay a personal small card management fee.
In addition, there is a bank service fee that needs to be paid. However, if we open a second card and do not make any spending records, but only open a card, the service fee will accrue for this card. When the service fee reaches a certain amount or we do not use the card for a long time, the bank will cancel the card and set it as a dormant account.
A dormant account is a service fee that is required after opening a second card at a certain bank. If the card has not been used for more than three years and the service fee has not been paid, the bank will automatically cancel the card.
However, please rest assured that no matter how much you owe money, it will disappear with the account cancellation, and we do not need to bear this cost personally. Moreover, this fee will not be included in the personal credit report, and it will not have any impact on the individual's credit report. This is just the process of opening a card with a bank.
In short, if we have a lot of bank cards in our name, we need to manage the accounts that we use and don't use separately. For accounts that are not used frequently, if we really don't need them anymore, we can take the initiative to close them. This way, we only keep the accounts that we use frequently for the next time we need them.
If we have too many useless cards, it will increase our trouble to find cards, and it is possible to get the wrong cards and bring inconvenience to life.
After reading it, do you have a clearer understanding of whether the unused bank card will be in arrears if you don't deposit money and cancel your account?