What to do with a wage card after dismissal

Today, many companies are moving with their employees on non-cash payments. In the framework of salary projects, the banks will be issued to all employees of the name cards.

Many employers prefer to arrange for their employees salary plastic cards and transfer their money. Indeed, it is easier and employees, and accountants of the company, since it allows to exclude cash payments and related documentation.

However, after his dismissal from his former job, many workers don't know what to do with the map. Two options - either to close the card, or to renew it personally. Which one to choose depends on whether the user plans to use it in the future.

It is important to note that to return the card to the employer is not necessary, because the card is the property of the Bank. Therefore, only a Bank may require its return. Also if the employee is indebted to the company, the employer can not under any circumstances to seek to unilaterally cash from the card. This can be done only by court order.

Closing Bank card

Payroll cards are not charged - pays for them or a Bank or employer. However, after the dismissal, the map begins to be served according to the standard tariffs depending on its category. Therefore, to ensure that the map does not have any debt, it is necessary to write the application on closing the card and return it to the Bank. Also, some banks can reissue the card without notice to the customer by charging extra.

Thus, the map can accumulate the debt and close it without payment of the entire amount of the debt will be impossible. Therefore it is better to do this in advance of and immediately after the dismissal to write a statement requesting closure of the account. The employees of the Bank to the client should issue the account balance and provide documents confirming its closure.

Some banks automatically block salary cards, but it is better to clarify this point directly in the office.

Reissuance of the card

If after dismissal the card holder plans to continue to use the card, it should re-register themselves. Sometimes banks do this automatically and no additional statements to write is not required.

The ability of the card will not change, they will depend on the category card. The user will also be available non-cash payment, online shopping, payment of goods and services in the Internet, etc.

It is worth considering that on the cards with an overdraft facility (credit limit), issued in the framework of the salary project, the further operations will be performed only within the balance on the account.