You have to distinguish whether it is a debit card or a credit card.

Generally speaking, there is an annual fee for debit cards. If you keep this card there all year round and haven’t used it for more than three years, the bank will most likely have your card removed when cleaning it up. This bank card has been cancelled.

Credit cards also have annual fees, but generally many credit cards will make the annual card free as long as you meet their required number of card swipes or card swipe fees in a year. Moreover, credit cards also have a limited time limit. Accounts that have not been used for three years are classified as "sleeping customers" and must be activated before they can be used normally. Accounts with a balance of less than 10 yuan will be closed by the bank themselves if they are not used for five years.

However, the rules may be different in different places, so it is best to ask the post office to check it for you.

Safety risks of bank cards not being used for a long time:

First, there is the risk of economic loss. A bank card will incur the following fees from the time you open an account: a capital fee of 5 yuan, an annual fee of 10 yuan, and a small account management fee of 3 yuan per quarter. Excluding the cost of production, it is 22 yuan per year starting from the second year. If you activate the SMS service, it costs at least 2 yuan per month and 24 yuan per year. The total of the three expenses is 46 yuan. Even if the card is not used temporarily and the card balance is zero, the above fees will still be charged and will be deducted when there is money on the card. For some special credit cards of certain banks, regardless of whether they are activated or not, once the cardholder signs and confirms, the bank will charge an annual fee, which will increase the cardholder's expenses.

The second is to affect individuals’ application for new cards. Since December 1, 2016, the central bank has stipulated that if the same person has already opened a Type I account in the same bank, he will no longer open a new Type I account, but can only open Type II and III accounts. There are limits on daily consumption and payment.

The third is the risk of affecting personal credit record. If a credit card is idle for a long time and the annual fee is in arrears, it will have a negative impact on the personal credit record, thereby affecting the processing of personal loans and credit cards.

Fourthly, there is a risk of being exploited by criminals. For bank cards that have been converted into "sleep cards" that have not been used for a long time, many people think that if they go to the bank to restore the card, they need to pay an annual fee. If they cancel the bank card, it will be troublesome, so they may just throw it away. However, bank cards that have been discarded may be sold by "careful people" and used by criminals as a tool for money laundering fraud. In addition, in some online forums or social groups related to bank cards, you will see from time to time that someone will post or follow threads, saying that they want to buy idle bank debit cards at a high price. If you believe it easily, the consequences will be very serious. Information from the public security organs shows that in current new illegal and criminal activities on telecommunications networks, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals.

Reference link? People’s Daily Online? Debt card annual fee arrears will not affect credit