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Go to the bank, you can eliminate it. It's impossible not to close your account unless you owe money.
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What is the reason why the payroll card cannot be cancelled?
If you really can't close the account, don't use it, let it sleep in the drawer, it's fine.
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If a worker establishes a labor relationship with an employer, and the employee's salary card can be cancelled, the worker may go to the bank counter to cancel the account with the salary card and ID card.
Interim Regulations on the Payment of Wages
Article 5 Wages shall be paid in legal tender. Payment in kind and in alternative currency** may not be made.
Article 6 The employer shall pay wages to the workers themselves. If the worker is unable to receive wages for any reason, his relatives or entrusting others to collect the wages on his or her behalf.
The employer may entrust the bank to pay the wages on behalf of the employer.
The employer must keep a written record of the amount and time of payment of the employee's wages, the name and signature of the recipient, and keep it for at least two years for future reference. When paying wages, the employer shall provide the employee with a list of his or her personal wages.
Article 7 Wages must be paid on the date agreed between the employer and the worker. In the case of a holiday or rest day, payment should be made in advance on the nearest working day. Wages are paid at least once a month, and weekly, daily, and hourly wage systems are implemented.
Article 8 The employer shall, in accordance with the relevant agreements or contracts, pay wages to workers who have completed one-time temporary labor or a specific job.
Article 18 The labor administrative departments at all levels shall have the right to supervise the payment of wages by employers. If an employer commits any of the following acts that infringe upon the legitimate rights and interests of a worker, the labor administrative department shall order the employer to pay the wages and economic compensation to the worker, and may also order the employer to pay compensation:
1) Withholding or defaulting on the wages of workers without reason;
2) Refusal to pay wages for extended working hours;
3) Paying wages to workers at a rate lower than the local minimum wage.
The standards for economic compensation and compensation shall be implemented in accordance with the relevant provisions of the State.
Article 19 Where a labor dispute arises between a worker and an employer over the payment of wages, the parties concerned may apply to the labor dispute arbitration authority for arbitration in accordance with law. If the applicant is dissatisfied with the arbitral award, he or she may file a lawsuit with the people's court.
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There is no way to recover the cancellation after canceling, so you can only open another one, and then report the bank card number to the financial personnel or personnel department of the unit.
Personnel on it.
Supplementary information: 1. Individual income tax on wages and salaries.
Calculation method: 1. Tax payable = taxable income.
Applicable tax rate - quick deduction.
Taxable income = monthly income - 5,000 yuan (threshold) - special deduction (three insurances and one housing fund.
etc.) - Special additional deductions - other deductions determined in accordance with the law.
2. Applicable tax rate: 3% of the tax rate for annual income not exceeding 36,000 yuan;
3. The tax rate for parts exceeding 36,000 yuan to 144,000 yuan is 10%;
4. The tax rate for parts exceeding 144,000 yuan to 300,000 yuan is 20%;
5. The tax rate for parts exceeding 300,000 yuan to 420,000 yuan is 25%;
5. The tax rate for parts exceeding 420,000 yuan to 660,000 yuan is 30%;
7. The tax rate for parts exceeding 660,000 yuan to 960,000 yuan is 35%;
8. The tax rate for the part exceeding 960,000 yuan is 45%.
2. Legal basis: The notice of the State Administration of Taxation on adjusting the calculation and collection of individual income tax for individuals who obtain annual one-time bonuses (Guo Shui Fa [2005] No. 9) stipulates:
3. Taxpayers who obtain a one-time bonus for the whole year shall be calculated and withheld and paid individual income tax separately as a monthly salary and salary income.
4. Salary card and savings card.
The difference. 1. The salary card is actually the bank's savings card, so there is essentially no difference between the two. And any bank can issue a payroll card.
It's just that ordinary savings cards are generally applied for by individuals; Some of the salary cards are applied for by the employees themselves at the bank, and some are applied for by the unit.
2. Therefore, the salary card also has all the functions of a savings card, which can be used for card consumption, transfer, deposit and withdrawal, and various types of payment.
3. And they are all instant pick-up, unlike credit cards, which need to be reviewed by the bank after the applicant submits the application; After the review is passed, the card will be made and mailed. It may take about a month for applicants to get their cards.
5. How many types of salary cards are there in the bank?
1. It can be a type of card.
It can also be a Class II card.
2. Most people's salary card is a type of card, no class II and III account marks are class I accounts, if you want to know how many types of cards your salary card is, you can call the service of the issuing bank**, and transfer to manual service for inquiry, in fact, it doesn't matter if you have a class of cards or two types of cards, as long as you can get your salary.
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In this case, you can reissue the corresponding salary card in time, and then report it to the company's financial accounting.
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After the cancellation, you should go to the human resources to report in time, and the colleagues can hand over the new card to the company after renewing the card.
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You can re-apply for it, and the salary will not be less, so there is no need to worry.
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Now it is difficult for individuals to open a card, and individuals must bring their ID cards, labor contracts or social security certificates to the bank to open a card.
Or you talk to the company and ask the company to reopen a card for you.
Because of the anti-fraud action, the card is an important link, and it is too difficult for individuals to open a card, so let the company do it on behalf of the company.
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Do a new one and then update it with the company's financial filing.
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Cancel the card food to the bank to get the ID card to take a look, because why the cancellation you don't know you have to go to the bank, and go back to the unit.
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Isn't it enough to notify the financial department to change the payroll card?
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It is not necessary to deregister, but if you do not cancel and do not go to the bank to apply for exemption of account management fees and annual fees, there will be certain fees, and there will be financial losses for cardholders.
The State Administration and the China Banking Regulatory Commission jointly issued a document stipulating that starting from August 1, 2014, bank customers (excluding credit cards) can apply for exemption of account management fees and annual fees, including small account management fees.
However, to remove this charge, depositors will need to apply in person at the bank counter. In other words, if you don't apply, you won't be given a cancellation.
The specific application method is very simple, as long as you bring your ID card to apply at each bank, you can waive the annual fee and management fee (including small account management fee) for one account (excluding credit card).
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It is better to cancel it, so as to avoid the idle salary card being used by others and causing losses to your own economic property.
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The previous salary card is no longer used, there is no need to cancel it, but it must be kept. If you really don't need it. Yes. The bank that issued the card will cancel it.
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The previous salary card is no longer used, and of course it is necessary to cancel it. Because if you don't use a salary card like this, of course, you have to cancel it in time, and if someone else picks it up, someone else will use it to do something illegal.
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If your previous salary card is not used, there is no need to cancel it, and the current salary card is in use, and your bank in the car will help you handle these things.
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The previous salary card is not used, because it is still necessary for me to cancel it, because the current bank cards are divided into one generation and two generations, which may affect your normal use, so it is better to cancel it, otherwise you can use it directly.
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If the salary card you handled when you worked in the past has now been determined and will not be used again, then it is best to cancel it, which is more conducive to the safety of your property.
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The previous salary card is no longer used, and it is still necessary to cancel it, after all, the salary card is also bound to a lot of our real information.
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Is it necessary to cancel the previous payroll card if it is no longer used? I don't think it's necessary to write it off. Because of the current bank card. There will be no deduction of annual fees and other handling fees. So you keep a bank card in case you need it.
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The previous salary card is no longer needed, and it is not necessary, it must be cancelled, and maybe this bank card will be used in the future.
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If you just don't add your salary to your payroll card, but you still want to continue to use this card as a savings card, you don't need to cancel it.
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Since you don't use it, cancel it, and some cards have to deduct the SMS service fee every month, and it's a waste to not use it. It's also less hassle to log out.
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If you don't use the previous salary card and have a new salary card, of course it is necessary to go to the market and hand it over, so it should be better to go to the bank to cancel it.
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Is it necessary to cancel the previous salary card if it is no longer used? I think if you don't use your previous salary card, you should cancel it, because if you have more bank cards, it's not good for you.
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Now that the salary card is not needed, is it necessary to cancel it If you are sure that the salary card is not needed, you must cancel it, otherwise you will still be charged the cost of the annual card.
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Since the salary card is no longer used, the general bank card does not need to be cancelled. If there is no money in the card, the bank will clean it up regularly. So don't worry.
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If you don't use the previous salary card, you can also cancel it, and you can keep it for the future when you use this cancellation, you need to bring your ID card to the business hall to handle it.
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Personally, it is recommended that the card that you don't use should be cancelled to avoid unnecessary costs after a long time.
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The previous salary card is no longer used, and it is definitely necessary to cancel it, because it is only safe to cancel the salary card.
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It is necessary to cancel the previous salary card if it is not used, and if it is not used, it will become a trouble.
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If you don't use the previous salary card, you should cancel this card, otherwise there will be a lot of trouble.
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Since the previous payroll card is no longer used, it doesn't matter if you cancel it or not.
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I think if you have a salary card, the best way to cancel it is to cancel it, because if you don't cancel it, it may cause you some trouble in the future.
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Is it necessary to cancel my previous payroll card if I don't use it? I think it's necessary to go to the suburbs to say that if you don't cancel it, your salary may be deducted every month, and then it will become plural, and then you won't know about the kind of dishonest people who don't eat Bian.
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Is it necessary to cancel the previous salary card if it is no longer used? I think it's better to write it off now, because you can't remember too many payroll cards.
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Is it necessary to cancel the previous payroll card if it is no longer used? The previous salary card is no longer used, and if it is convenient for um, it is better to cancel it.
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If you don't have any other use, you can take your ID card to the counter to cancel it.
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If you don't use it, log it out.
There is trouble in the province.
It's quick to log out.
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Legal analysis: It is recommended to cancel the bank card without using it, or you can clear the balance in the bank card and wait for the bank system to automatically clean up the invalid card. The bank card cancellation process is being dug up:
1. During the working hours of the bank, go to the bank to fill in the application form for card cancellation; 2. Prepare relevant documents (bank card, ID card) and other materials (if you open online banking, you need to prepare network shield and other things) and wait for the number to be called.
Legal basis: Commercial Bank Law of the People's Republic of China
Article 11 The establishment of a commercial bank shall be subject to the examination and approval of the banking regulatory authority.
Without the approval of the banking regulatory authority, no unit or individual may engage in commercial banking business such as taking deposits from the public, and no unit may use the word "bank" in its name.
Article 24 Where a commercial bank has any of the following changes, it shall be subject to the approval of the banking regulatory authority:
1) Change of name;
2) Change of registered capital;
3) Change the location of the head office or branches;
4) Adjust the scope of business;
5) Change the shareholders holding more than 5% of the total capital or shares;
6) Amend the Articles of Association;
7) Other changes stipulated by the banking regulatory authority.
When the directors and senior managers are replaced, they shall be reported to the banking regulatory authority for review of their qualifications.
Article 73 In any of the following circumstances, a commercial bank shall bear the interest on the payment of delayed performance and other civil liabilities if it causes property damage to depositors or other customers:
1) Unreasonably delaying or refusing to pay the principal and interest of the deposit;
2) Violation of the provisions of settlement business such as bill acceptance, not to cash, not to receive and pay into the account, to press the bill, to press the ticket or to return the bill in violation of the regulations;
3) Illegally inquiring, freezing, or deducting personal savings deposits or unit deposits;
4) Other acts that cause damage to depositors or other customers in violation of the provisions of this Law.
In the case of the circumstances provided for in the preceding paragraph, the banking regulatory authority shall order corrections, and if there are illegal gains, the illegal gains shall be confiscated, and if the illegal gains are more than 50,000 yuan, a fine of not less than one time but not more than five times the illegal gains shall be imposed; where there are no unlawful gains or the unlawful gains are less than 50,000 RMB, a fine of between 50,000 and 500,000 RMB is to be given.
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