8 did not owe 5000: idle bank card processing security-card spare-IT information
Unused cards, how do you deal with it? Wuhan Ms more than 8 years ago had a bank card, has been put up at the moment, has produced more than 5,000 yuan tuition! How on earth did this happen?
Press review
? Idle bank cards (pictures from the Internet)
2008 ladies had a bank card, and later to withdraw money, bank card never used. Yu said: "began to receive text message from last year, said this card owes more than more than 4,000 dollars, at that time thought it was scam messages. ”
"This year has received a few, owe more than last year, nearly 5000 pieces. "Lady wonder, she has never used this card, how will arrears?
In this regard, the Bank's explanation is: Lady cards held by 50 Yuan annual fee deducted every year, because there is no card account in a timely manner, resulting in fees accumulated, "compound interest" become like this.
50 first year fee of 8 years to 5,000 yuan tuition! If you have unused bank card, has been placed in the House it, is not to lose money? Fasten thousands of?
Banking answers
On idle bank card has been charged, you need to know:
If it is a credit card, you must cancel, or personal credit will be affected.
If it is a debit card, no cancellation does not affect personal credit records, but unused card management fees, annual fees will be automatically deducted.
If you continue to use the card, you will need to pay costs owed, if you no longer use the card, you can ignore.
If the bank card for so long without, debt reaches a certain level, the Bank will automatically carry out the process.
Free bank cards these risks
1 long-idle bank card will be troublesome to apply for a new card.
According to the China Banking Regulatory Commission on banking to combat network new crimes and the governance matters related to work notice: in principle, the same customer in the same commercial bank open a debit card shall not exceed 4; If the customer had previously held the same commercial banks nationwide 4 (or more) debit cards, commercial banks are not allowed to open or activate a new debit card.
2 illegal use of your bank card to engage in illegal activities, you may be "crimes".
Gift Telecom fraud, bribery, tax evasion, illegal money-laundering ... ... Crook may use your bank card to engage in illegal activities. Once found, will find the primary cardholder, you just lay down guns.
3 idle bank card accidentally lost, can result in disclosure of personal privacy.
Bank card is stored on the magnetic strip of our sensitive personal information, if the card is lost, it will result in disclosure of personal privacy.
Idle cards how to deal with a more secure
Idle bank card the most risks.
Small reminder, spare bank cards in hand, to take the initiative
Log off!
Log off!
Log off!
Important things to say it three times.
Do the following:
Cancellation of bank cards, as long as the card holders ' bank card and my ID card to get the same as opening Bank Bank, application logging off.
If the card is lost, you need to go through a bank card, then cancel.
Involving credit cards, also are free to call the credit card Center to log off.
After card cancellation the Bank staff will be cut, cut the card recommendations into different bins.
8年未用欠费5000元：闲置银行卡这样处理才安全 - 银行卡,闲置 - IT资讯
闲置不用的银行卡，你是如何处理的？武汉市民余女士8年前办了一张银行卡，一直放着没用，竟然产生了5000多元的欠费！这究竟是怎么回事呢？
新闻回顾
▲闲置的银行卡（图片来自网络）
2008年余女士办了一张银行卡，后来钱取出来了，银行卡就一直没再用。余女士说：“从去年开始陆续收到短信提示，说这张卡里欠费了4000多块钱，当时以为是诈骗短信。”
“今年又收到几条，欠费数额比去年多了一些，将近5000块了。”余女士纳闷，这张卡她从来没有用过，怎么会欠费？
对此，银行方面的解释是：余女士持有的银行卡每年有50元的年费扣除，因没有及时将卡销户，造成了费用累积，“利滚利”就成这样子了。
50元年费8年变成5千元欠费！如果你也有闲置银行卡，一直放在家里没管它，是不是也要被扣钱？一扣好几千？
银行答疑
关于闲置银行卡被扣费，你需要知道这些：
如果是信用卡，必须办理注销，否则个人信用会受到影响。
如果是储蓄卡，不注销不影响个人征信记录，但闲置的卡会被自动扣管理费、年费。
如果继续使用该银行卡，则需要补缴所欠费用，如果不再使用该银行卡，可以不予理会。
如果该银行卡长期不用，欠费达到一定程度，银行会自动进行清户处理。
闲置银行卡还存在这些隐患
1 长期闲置的银行卡，会给办理新卡添麻烦。
根据《中国银监会关于银行业打击治理电信网络新型违法犯罪有关工作事项的通知》：同一客户在同一商业银行开立借记卡原则上不得超过4张；如该客户之前已持有同一商业银行全国范围内4张（含）以上借记卡的，商业银行不得为其开立或激活新的借记卡。
2 不法分子利用你的银行卡从事非法活动，你可能“被犯罪”。
电信诈骗、行贿送礼、逃税、非法洗钱……骗子可能利用你的银行卡从事非法活动。一旦警方发现，将会找到原持卡人，你就这样躺枪了。
3 闲置银行卡不慎丢失，可造成个人隐私的泄露。
银行卡的磁条上会存储我们的个人私密信息，若银行卡丢失，则会造成个人隐私的泄露。
闲置银行卡如何处理更安全
闲置银行卡危害大，隐患多。
小编提醒，手上有闲置的银行卡，一定要主动
注销！
注销！
注销！
重要的事情说三遍。
具体这么做：
注销银行卡，只要持卡人将银行卡和本人身份证拿到与开卡银行相同的银行，申请注销即可。
如果银行卡丢失，需要先补办一张银行卡，再进行销户。
如涉及信用卡，也可自行拨打信用卡中心的电话进行注销。
卡注销了之后银行工作人员会作剪卡处理，剪掉的卡建议分别丢到不同的垃圾桶里。
