1. The cardholder requests the bank to freeze the savings card due to loss or other reasons.
2. Credit cards that exceed the limit and are overdue will also be frozen to stop payment.
3. When the banking system detects that your savings card transaction is risky or suspected of illegal operation, it will freeze the savings card.
Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.
major function
The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.
Fold and edit the application conditions in this paragraph.
Go to any branch of the bank with my valid ID card (such as ID card or driver's license). You must open a current account first. The account balance shall not be less than 10 yuan. Unstamped withdrawal account. Non-loss-reporting account, frozen account and normal account status.
charging standards
Savings card fees mainly include annual fee, small account management fee, loss reporting fee, new card cost, cash withdrawal fee (including local interbank, remote bank, remote bank, overseas ATM, Hong Kong and Macao), transfer fee (including remote bank, remote bank, local interbank and overseas wire transfer) and online banking transfer fee (including remote bank, remote bank, local interbank and overseas remittance).
The specific charging standards vary from bank to bank:
Industrial and Commercial Bank of China: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and the bank in the same city withdraws 2 yuan/transaction;
Agricultural Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, which is lower than that of 3 yuan/quarter. 300 yuan's small account management fee is charged, and the bank in the same city withdraws 2 yuan/transaction;
China Construction Bank: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan;
Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, and the small account management fee is not charged, and the same city withdraws money in 4 yuan/pen;
Bank of Communications: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee in 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/pen;
Postal savings: it is free to apply for a card, and banks in the same city withdraw 2 yuan/pen. Most provinces and cities do not charge annual fees and small account management fees;
China Minsheng Bank: card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/pen;
Everbright Bank: It is free to apply for a card, no annual fee, no small account management fee, and the first three withdrawals in the same city every month are free, and then 2 yuan/pen;
China CITIC Bank: Card handling is free, with no annual fee and small account management fee. The first two withdrawals in the same city are free every month, and then 2 yuan/transaction;
Huaxia Bank: it is free to apply for a card, no annual fee, no small account management fee, and it is free to withdraw money before 1 in the same city every day, and then 2 yuan/pen;
Shanghai Pudong Development Bank: It is free to apply for a card, and there is no annual fee. 2 yuan/bank withdrawal in the same city, account management fee 12 yuan/year. If the balance in the account is always above 1 1,000 yuan, or the POS card is swiped during the year, it will be exempted;
Industrial Bank: card handling is free, no annual fee, no small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/pen;
China Merchants Bank: It is free to apply for a card, and there is no annual fee. Bank withdrawals/transactions in the same city of 2 yuan. Account management fee: if the assets of the same customer in the bank are less than 10000 yuan, 1-5 yuan/month.