How to close a bank card, not to get into debt

Why is not enough to stop using the card

Means of access to which you get with the card, lay on the account. Even if it's empty, and the cards have expired, it continues to exist. And for his services the bank can take the money, with a legitimate way. Conditions are usually spelled out in the contract. The service charge may appear if:

• You keep in the account is less than a certain amount (and you have removed all).
• You spend in a month is less than a certain amount (which you no longer use the card).
• It ended a grace period of service.

I resigned, but did not close the account to which the salary came just took off all his money. But in the meantime a year of use, which is paid by the employer, ended, and a fee for account service is already removed from me. And it turned out that I have some Laksheri fare for three thousand rubles. A lot of money actually.

Paul lost money because of the sluggishness

The bank will charge a fee for service, and you with the debt. Pay it, you will likely have interest. And for debit card interest may be even greater than for

credit. If the debt will reveal a few years, the amount will be impressive. Its contribution to the increase in debt can make a fee for SMS informing, deferred charges for any services and so on.

To avoid this, you need to say goodbye to bank more strongly.

How to finish the relationship with the bank

Proceed according to the following algorithm:

1. Disconnect all paid services. To negotiate with the bank would take time, and spend too much, you stop now.
2. If you have debt on the account, to repay them.
3. Has applied to close the account. Much will depend on the institution itself. Somewhere in his decision can be notified online. And some banks will need to come to the office, doing it in some place where you open an account. This question is best clarified in advance. If you go to the office, and your card expiry date is not released at the same time hand over it to the bank that you did not have any issues. Formally, it is the property of the financial institution that is written directly on the plastic box.
4. Wait for a period during which the contract of the bank should close the account. This time, the organization needs to ensure that there will not come a deferred commission, for example, for using other banks' ATMs. If the debts were, they also have to pay.
5. When the account will be closed, take the appropriate certificate, which will indicate that the institution is not to you financial claims in the bank. The paper is useful, if, due to errors debts suddenly start to occur after the closing of the account.

What if the account is tied to the number of cards

Account should not be closed. But the card that you are no longer going to be used, it is better to block. So you eliminate the risk that fraudsters They take advantage of its data and get access to your account.