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Under normal circumstances, after three years, the opening bank will automatically deregister it. If there is no deposit in the debit card, the debit card of Bank of China, Industrial and Commercial Bank of China and Agricultural Bank of China will not be automatically closed, and once there is a capital business in the future, the debit card of ICBC and Bank of China will be automatically activated and the annual fee of the bank card will be deducted, while the debit card of Agricultural Bank of China will be converted into a dormant account if it is not used for a long time, and there is no way to use it again in the future. CCB will automatically close its account after half a year; If the account is to be closed, the Industrial and Commercial Bank of China and the China Construction Bank require that the account holder must be presented with the identity card of the head of the account to the opening bank, while the Agricultural Bank of China and the Bank of China are allowed to go through the procedures for closing the account at any business outlet.
In addition, some banks' debit cards have not been used for a long time, and they will be designated as sleeping customers, and the bank will automatically cancel the card for you after a while. There will be no arrears on the debit card and no credit will be affected. Under normal circumstances, after more than three years, the opening bank will automatically cancel it, if the online banking is also opened, the online banking will generally not automatically cancel the account, and it needs to be manually processed for the cancellation of the online banking account.
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Generally, if you don't use this card for two years, the bank will transfer this card to a long-term dormant account for processing, which is the so-called freezing of this card, as long as you don't cancel the card, this card is still there, the bank will not help you cancel the card because you don't use it for a long time, and you can go to the bank to unfreeze it when you want to use it in the future, don't be so troublesome, don't use it and go directly to the card yourself
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The bank card is cancelled, but there is money in the bank card, you can go to the bank counter to get your ID card. Then you say that I will withdraw this money, and he can also withdraw it or transfer it to you, or in various ways, your money will not be blind. If you have money before you close your account, it will remind you that he can't say that he has money and not prompt that.
So this is a very normal phenomenon and reason.
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Before canceling (canceling) the bank account at the counter of the bank branch, the bank card balance and bank-related business need to be cancelled, including online banking****, etc., before the bank card can be cancelled.
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No matter how much money is in the bank card when you cancel it, at the bank window, the savings clerk will take it out for you, no matter what the card, as long as the money in the pen needs to be withdrawn when you cancel it.
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If you cancel your bank card, go to the bank counter, and you can withdraw the money from the bank card with a valid ID card.
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Customers need to pay attention to:
1. If there is still a balance in the bank account, the bank account cannot be cancelled. The customer needs to withdraw the balance of funds in the bank account before the bank account can be cancelled.
2. Multiple bank card accounts can be associated under the bank account, so the cancellation of the bank card does not mean that the bank account is cancelled, and the amount in the bank card account will be in the bank account and the customer can withdraw it at any time.
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Summary. Hello, I am very happy to answer your questions, the staff will let you take out the money when the bank card has money to cancel, you are not canceled and then hit the money, the cancellation of the card money can not be passed, I hope I can help you.
Hello, I'm glad to answer your questions, the staff will let you take out the money when the bank card has money to cancel Qisong, you are not the money that you play in after the cancellation of the macro roll, the money of the card can't be played, I hope I can help you with the rest of the day.
This is how it is displayed.
I typed it in after I logged it out, and it showed like this.
Doesn't this show that the state is abnormal, and it is impossible for the money to be spent.
This is a withdrawal, and it can't be transferred out immediately, and this status is displayed.
Isn't your interface written to recharge?
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The money in the bank card cannot be withdrawn after the account is closed <>, but when there is a balance in the bank card, it will usually not be liquidated.
Before closing the account, it is recommended that the relevant users transfer the funds in the card to other debit cards or withdraw them directly through online banking, mobile banking, ATMs and other channels to avoid unnecessary troubles of withdrawing money from bank outlets after cancellation.
After the successful cancellation of the savings card, it will not affect the application in the future, and after the successful cancellation of the credit card, if the personal credit is affected by the previous use of the card, it will cause some trouble to apply for a credit card in the future.
When the bank credit chain card is reported as lost, it is not possible to withdraw money.
Because reporting the loss of the bank card is equivalent to freezing the card. In this case, the card transfer function will not be available, so the bank will not be able to withdraw money. After reporting the loss of the bank card, immediately go to the bank to reissue a new card, and after the new card is reissued, the money will be automatically transferred to the new card.
The validity period of the verbal loss report is 15 days, and after 15 days, the bank card will be automatically unlocked. Therefore, the user should handle the relevant business as soon as possible during this period of time, so as not to miss the validity period and need to report the loss again.
When the bank card is cancelled, you need to provide your ID card and bank card to go to the bank branch together, fill in the cancellation application, and all the money in the card will be withdrawn to the customer after cancellation.
When the bank card is cancelled, if there is money in the card, it is impossible to be cancelled, and the card can only be cancelled if all the money in the card is transferred out or withdrawn, and it is impossible for the card to be cancelled.
If you want to cancel your bank card, you need to bring your ID card and bank card to the bank branch, and if you have opened personal online banking, you also need to bring an Internet shield, online banking password card, etc.
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No, the money in it cannot be withdrawn after the bank card is cancelled. Generally, the bank will not take the initiative to cancel your card, because if there is still money in your card, they have no reason to cancel it. Usually, it will take effect within seven working days after the loss report is reissued.
If the card is invalid, there are two ways to get the money out: you can use the old number. Report the loss and apply for a new card directly, and the money from the old card will be transferred to the new card.
This replacement card number can be processed immediately, i.e., the trip to the bank can be reported to make up for the loss; It is also possible to apply for a new number, and if you need to reissue a new card, the card number will remain the same, but it will take 7 working days to do so, and you must report the loss before renewing the new card. The process of bank card account cancellation is as follows: first of all, you must bring your personal ID card, and go to the corresponding bank in person to handle the business.
Then, after making an appointment, find the application form for bank card cancellation at the front desk in time and fill in the application as required. In addition, as a debit card or savings card, the bank will automatically close the account if the money is withdrawn for a long time, and it will not affect the credit of the head of the household. In short, the account closure must also be done by the head of the household to bring his ID card to the bank in person, otherwise the bank will not handle it for you.
Debit card closure
There is no fee for the cancellation of the debit card, but if the original card is lost, you must pay the money to reissue a new card and then cancel the account, and you generally need to go to the opening bank to handle it. Some banks will also stipulate that when the account balance of the bank card is 0, the account will be automatically closed after two years, but if the debit card has been opened for online banking or mobile banking, it cannot be applied for again in the same bank without cancellation. Therefore, it is best to go to the bank to cancel the account for discarded and unused cards, otherwise the annual fee will be deducted every year, and the arrears caused by the management fee will have an adverse impact on personal credit.
If you really can't handle it, you also need to withdraw all the money in the account, cancel the online banking and mobile banking, and then wait for the bank to automatically close the account.
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When the bank card is cancelled, the bank will pay you the money in the card, and there is no money in the card after cancellation.
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The cancelled bank card has money, which is not transferred out in time and cannot be withdrawn. When the bank card is cancelled, the bank staff will remind you how to deal with the balance in the card.
If the bank card is not used, you can cancel the bank card. Bank counter cancellation:
1.Go to a local bank with a valid ID and bank card;
2.Go to the bank to get an appointment number and queue up;
3.Explain to the staff that you want to close your account and fill in the relevant application;
4.Give the bank card to the bank staff and submit the relevant documents;
5.The bank card account has been closed.
Notes:1If the bank card is lost, you need to reissue a replacement first, and then cancel the account, and a card fee is required to replace the card;
2.The bank card account must be withdrawn from the balance on the card and ensure that there is no outstanding balance on the card.
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At present, the basic fees deducted by bank cards: Annual fee: 10 yuan (deducted once a year); Small Management Fee:
According to the quarterly calculation, if the average daily balance in the quarter is less than 300 yuan or 500 yuan (here according to the regulations of different levels of cities), a small management fee of 3 yuan will be deducted; If it is bound to a mobile phone, a monthly SMS notification fee of 2 yuan will be deducted; Interest tax is deducted based on the amount on the card. If the card does not need to be used, it is recommended to cancel the account (cancel); If you do not cancel the card, the card will enter a dormant state after the money in the card is fully deducted, and after one year, the card will be automatically cancelled.
Remember to adopt it.
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Hello! Pat the mutual aid group - Ogawa.
Answers for you. It depends on the business you choose when you open it, such as the monthly rent**, some filial piety is directly deducted on the mobile phone, you don't cancel it yourself, it will still be deducted every month. It is recommended that you go to the bank to write off the current bank yourself.
If you still don't understand, you can add me to consult.
If you think it helps you, please 5 stars, thank you!!
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At present, the basic deduction of the Yinshan Calendar Card:
Annual fee: 10 yuan (deducted once a year);
Small management fee: If the average daily balance in the quarter is less than 300 yuan or 500 yuan (here according to the regulations of different levels of cities), a small management fee of 3 yuan will be deducted;
If it is bound to a mobile phone, a monthly SMS notification fee of 2 yuan will be deducted;
According to the interest generated by the amount in the card, the corresponding interest tax will be deducted.
If the card does not need to be used, it is recommended to cancel the account (cancel); If you don't cancel it, after the money in the card is completely deducted, the card will enter a dormant state, and after a year of searching, the card will be automatically cancelled.
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