Should the bank card without money be "kept" or "closed"? This is a problem that many people are struggling with. Fortunately, a friend from a bank secretly told me, and I only knew about it! Are you the same as me, just throwing the bank card you don’t need at home and ignore it? What impact do these idle bank cards have on our lives and personal credit? Is the impact big? Go and have a look with me quickly.
Many people may have one or two idle bank cards in their hands, which are mainly divided into two types, one is a savings card and the other is a credit card. Depending on the type of card, the consequences of not canceling are also different. Let’s talk about it from two aspects below.
1. It is the savings card you apply for at the bank, so it has a certain annual fee or management fee. If you open some text message fees, it will deduct the fees regularly. When all the money on your bank card is deducted and there is no transaction for six months, it will be converted to the sleep card .
If this bank card has not been used for more than three years, then there is no money in it and you have not closed the account, the bank system will automatically clean up and cancel the account, so you don’t need to worry about owing the bank money in many years.
The second type is credit card. Because of different natures, the result of not canceling it is completely different. Everyone must pay attention! Because some credit cards may incur annual fees, if you leave the card there and ignore it, then the annual fee will be overdue if you do not repay it in time. If you repay the loan overdue, it will cause serious problems.
One is that it will affect our personal credit investigation. If our personal credit investigation is poor, it will affect our later loans to buy a house and a car.
Another thing is that if the overdue repayment will be charged, the penalty interest will be generated, so the longer the time, the higher the interest.
Some fans said that if my credit card is not activated, there will be no annual fee, but there are some platinum cards that will also incur annual fees even if you do not activate them. Therefore, no matter whether your credit card is activated or not, you should pay attention to canceling it in time if you don’t use it. Regardless of whether you activate it or not, it will be reflected in your credit report. If you accidentally record an overdue repayment, it will affect our personal credit report, and everyone must pay attention.
How to cancel an idle bank card? We must use our bank card and my ID card to get the corresponding bank to apply for cancellation. If your bank card is accidentally lost, you need to apply for a new card first and then cancel the account. If you have a credit card, you can call the service number on the credit card to log out. Here are two types of account cancellation and card cancellation.
If you are handling account cancellation, your credit card and various information you have in the bank will be deleted. If you want to use a credit card in the future, you have to submit your personal information and then the bank will only get the credit card after approval.
If you are applying for a card cancellation, it will be much better. You will only cancel your credit card information, but your personal information in the bank will not be deleted. If you want to use a credit card again, it will be OK to call and apply for a new card.
Finally, one thing to note: after the bank card is successfully cancelled at the business point, the bank staff will cut the card.
If your credit card is called to confirm that the cancellation has been successful, you also have to cut the card by yourself, that is, cut the credit card along the magnetic strip and put it in a different trash can to prevent the card from being stolen.
Have you learned it? Welcome to communicate below. If it is useful to you, remember to like, follow, bookmark and forward it. Your encouragement is my greatest motivation!
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