1. If the bank card is a savings card, if the amount is deducted to zero, it will be automatically converted into "sleep card". If there is no transaction or agreement on this card during this period, these accounts will be automatically cleared and cancelled in the banking system within 2~5 years (the term of each bank is different). Bank of Communications will automatically cancel the account with zero balance and no transaction for two consecutive years.
2. Once the credit card is successfully processed, there will be corresponding records in the personal credit report. Therefore, regardless of whether the card is activated or not, the bank will not automatically cancel the card. If the card is inactive for a long time, there will still be a certain degree of security risks. For credit cards, credit card account information and personal credit are directly related. Even if the card has no money, it can be overdrawn and the annual fee can be deducted, so if the card is not used for a long time, it will have an impact on personal credit. If you want to cancel the Bank of Communications credit card, you can call the Bank of Communications Credit Card Center (400-800-9888) to complete the operation in addition to going to the counter.