Kunpeng Project
If the bank card balance is insufficient, should I "close the account" or "keep"? Thanks to the bankers for the reminder
A leaderboard for a credit card. I think a lot of people have this situation with a credit card that they don't usually use, but they don't have much money. So, is this card to be cancelled or kept? Here, I would like to share some of my thoughts and experiences with you for your reference.
Let's discuss the benefits of dropshipping. If you haven't used your credit card in a long time and you don't have a balance on it, that's the account management fee. In addition, excessive use of credit cards can also lead to a bad credit history, which can lower an individual's credit score. Therefore, it is also a good idea to cancel these credit cards that are rarely used.
Dropshipping has its downsides. First of all, the cancellation of the account has to go to the branches of major banks, and there are long queues, which is very cumbersome. Secondly, after canceling the account, if you use the card again, you have to do it again, which will be troublesome.
Do you put this card away? If you don't have cash on your credit card and you think you might be able to use it in the future, or as a backup card, keep it. However, if you have a balance in your account for an extended period of time and you are not willing to pay the account management fee, you can transfer your account balance to another bank and keep the card to prevent the account management fee.
This is a question that varies from person to person, and there is no one standard answer. I have a friend who is running out of bank cards, but he refuses to cancel them, just thinking that he will use them later when he can. Therefore, he decided to put this bank card away, even if there is no deposit in the bank card, it can make him feel a sense of security.
When everyone encounters this kind of problem, they must decide based on their own specific conditions and requirements. If you are unsure, you can ask the bank staff about the relevant regulations and charging standards.
Here, I would like to remind you that whether your bank card is cancelled or retained, you must process it as soon as possible to avoid unnecessary troubles caused by unpaid payments in your credit card. For credit cards without money, should they be cancelled or retained? I think you all know. If you have any questions about credit cards, you can also leave your own opinions in the comment area, and everyone can communicate with each other and promote each other.