建行 软卡换成硬卡

Question

以前在学校的时候办的软卡，现在毕业了。没用了，觉得软卡不方便，可以去换成硬卡么，就是取消软卡，换成硬卡。需要手续费什么的吗？

Answer 1

1.软卡（活期存折）要是密码忘了办理销户是要先密码挂失的，那是要10块钱挂失费的。折上没有余额，或者3到5年都不用了，建议你不用销户了，时间久了就转睡眠户直接到销户了。
2.现在建行本来就基本不开存折了，都是开储蓄卡（龙卡通），还有支付宝卡（能直接与支付宝账号绑定的，在淘宝买东西之类能用的支付宝卡通就是这项功能，这个业务必须先申请好支付宝账号去办，光开卡就不用）

注：以上业务都是须本人携带身份证办理的，办理时无需交费用，开卡工本费10元会后期在你卡里扣除，这个是账户管理费，第一年的是不免的，不过你每年消费满6笔都能免次年的账户管理费的，不限金额大小，网上消费应该也算。另外，你账户上日均余额达不到400元会产生每月1元的小额账户管理费，所以建议你卡上要多多存钱，有时为0元没关系，只要是日平均到400元即可！

Answer 2

不能换的，软卡就是活期存折，你觉得不方便使用，可以销户，再申请一个硬卡（银行借记卡），活期存折是不收费的，借记卡是不是收费，收多少，各家银行收费标准不一样，你要咨询办卡银行后才能确定。

Answer 3

无需费用。前往银行另行开户即可。很简单。

Answer 4

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