The distinction between debit cards and credit cards.

Generally speaking, there is an annual fee for debit cards. If you leave this card there for more than three years, the bank will probably cancel your bank card when it is cleaned up.

Credit cards also have an annual fee, but in general, many credit cards will make the annual card free as long as you meet their required number of swipes or swipe fees a year. Moreover, the credit card has a time limit, and accounts that have not been moved for three years are listed as "sleeping customers", and they must be activated before they can be used normally. Accounts with a balance below 1 yuan will be self-marketed by banks if they remain inactive for five years.

But the rules may vary from place to place. You'd better ask the post office to check it for you.

Security risks of long-term unused bank cards:

First, there is the risk of economic loss. When a bank card is opened, the following expenses will occur: the cost of production is 5 yuan, the annual fee is 1 yuan, and the small account management fee is 3 yuan every quarter. Excluding the cost of production, 22 yuan will be started every year from the second year. If the SMS service is launched, it will cost at least 2 yuan every month, 24 yuan every year and 46 yuan. Even if the card is not used temporarily and the balance of the card is zero, the above fees will be collected correctly, and will be deducted when there is money on the card. Some special credit cards of individual banks, whether activated or not, once the cardholder signs for confirmation, the bank will charge an annual fee to increase the cardholder's expenses.

second, it affects individuals to apply for new cards. Since December 1, 216, the central bank has stipulated that if the same person has opened a Class I account in the same bank, he will not open a new Class I account, but only Class II and III accounts. There are limits on the daily consumption and payment of Class II and III accounts.

the third is the risk of affecting personal credit records. The long-term idleness of credit cards in arrears with annual fees will have a negative impact on personal credit records, thus affecting the handling of personal loans and credit cards.

fourth, there is a risk of being used by criminals. For the bank cards that have been turned into "sleep card" and have not been used for a long time, many people think that if they go to the bank for recovery, they need to pay an annual fee. If they cancel the bank cards, it will be too troublesome, so they may be discarded casually. However, the discarded bank cards may be sold by "willing 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 up, 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 the new illegal and criminal activities of telecommunication 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 Network? Debit card annual fee does not affect credit.