If the bank card is not used for a long time, the account will be cancelled, usually automatically after two years. If there is no money on the bank card, continue to deduct the annual fee and accumulate it as debt; At the same time, the small account management fee is deducted at the rate of 1 yuan every month and once every quarter, which is accumulated as debt; After six months without money on the card, it will become a sleeping account; Cancel the card after two years; The record of arrears is dishonest, which will affect the application for credit cards and loans in the future.

Note: If the card applies for exemption from annual fee and small account management fee and meets the requirements, there will be no arrears.

Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.

Small account management fee?

Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.

Bank card annual fee Baidu Encyclopedia