If there is no money in the ABC card and it is a savings card, it will be automatically cancelled if it is useless for more than 2 years, and there will be no credit impact.

If it is a credit card, it will not be automatically cancelled within the validity period, and the annual fee will be deducted every year. If it is not cancelled in time, it will have an impact on personal reputation and further loans may be affected.

? Unused bank cards will be harmful if they are not cancelled.

Affect personal credit records.

As long as the credit card application is approved by the bank, whether it is issued or not, the card will appear in the credit report of the cardholder. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.

Hazard 2: increase the cardholder's expenses.

Some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which will increase the cardholder's expenses.

Hazard 3: Increase the risk of brush theft.

"sleep card" has been in a state of sleep for a long time, and it is not easy to be detected by the cardholder after being obtained by others, and the risk of card theft is greatly increased.

Hazard 4: Hidden dangers are laid for buying and selling accounts, opening accounts under false names, and opening accounts under fictitious agency relationships.

According to the introduction of public security organs, in the current illegal and criminal activities of new 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.

Hazard 5: Control the waste of resources.

It wastes the management resources of the bank, and the long-term fixed account has also become the internal risk point of the bank.