After you apply for a credit card, you can use the credit limit and enjoy an interest-free period of dozens of days. However, you must also pay attention to paying it off on time. You may apply for a credit card but rarely use it, or even never use it. , will this situation cause the card to be cancelled?

How long will it take for the Bank of China credit card to be automatically cancelled?

The Bank of China credit card will not automatically cancel the account if it is not used for a long time. If you use a credit card, the annual fee must be repaid by the cardholder. Therefore, it is recommended that you actively apply for cancellation of credit cards that are not commonly used. If you really need to cancel a Bank of China credit card, you can call the credit card customer service hotline to handle pre-cancellation. After pre-cancellation, The card cannot continue to consume, but repayment is supported.

However, after the card suspension operation begins, Bank of China will reduce the credit card balance and deactivate it in stages for long-term dormant credit cards that have had no active transactions for 18 consecutive months or more and have no outstanding payments or deposits. Or card cancellation and other related processing, please pay attention to the bank's notice for details.

How long does it take for a Bank of China credit card to be considered overdue if it is not used?

A credit card that is not used means that it will not be overdue, because it will become overdue only if the credit limit is used and not paid back in time. However, it should be noted that if the annual fee is not paid back in time after it is incurred, it will also become overdue. Overdue payments will be uploaded to the personal credit report. The credit record (overdue record) in the account will be displayed for 5 years, and the previous overdue record will no longer be displayed. There is currently no exit mechanism for the credit record after account cancellation and settlement, and will be displayed permanently.

What to do if a credit card is overdue for 90 days and the cards under your name cannot be used:

If a credit card is overdue for more than 90 days, all cards under your name will be unusable. The card will automatically return to normal after repayment. If the payment is overdue for more than 180 days, the card status cannot be restored. You can resume the use of other cards after the payment is received.

Official reminder from Bank of China Credit Card: Credit card rules change from time to time, so the above content is for your reference. Please refer to the actual business regulations.