If it's inconvenient, you don't have to go to the bank to cancel. But if you deposit money in your debit card in the past two years, you will be deducted from the annual fee and small management fee you owe. If the cardholder fails to pay the annual fee on time, the relevant arrears information will be recorded in the personal credit report, which will affect personal credit.
If you want to cancel the account of the postal savings bank card, you need to go to the counter of the postal savings bank in the province where the account is opened. You can't cancel the bank card through online banking or telephone customer service.
Secondly, it should be noted that the bank card of the Postal Savings Office will charge a small management fee. When the average daily account balance in the quarter is less than 100 yuan, the small account management fee in 3 yuan will be charged. If SMS notification service is opened, 30 yuan SMS notification fee will be charged annually, and the account will be automatically cancelled after deduction.
Extended data
Debit cards have the following functions:
1. Cash deposit and withdrawal.
Debit cards mainly have the functions of local and foreign currency savings, time savings and current savings. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets and self-service banks, or at ATMs in China and even around the world.
2. Transfer and remittance.
Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.
3. Credit card consumption.
Cardholders can use debit cards to spend money at merchants.
4. Collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).
5. Asset management.
Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. You can sign contracts, trade and settle accounts through debit cards.
6. Other services. Many bank debit card services have expanded beyond financial services, such as providing airport VIP access and medical and health services for cardholders.
Baidu Encyclopedia-Hang a bank account for a long time
Baidu encyclopedia-dormant card
Baidu encyclopedia-debit card