If the credit card money is not used for a year, it will be returned to the bank, which is safe.

According to the regulations of the People's Bank of China, the unused credit limit of a credit card will be automatically returned to the cardholder's bank account within one year. This is to protect the rights and interests of cardholders and the safety of their funds. The refunded amount includes the unused credit card balance and the paid balance. Cardholders can inquire and withdraw the refunded amount through the bank's online banking, mobile banking, or at the bank counter. Therefore, if the credit card money is not used for a year, it will be returned to the bank, which is safe.