With the increasing popularity of credit cards and the introduction of various credit card offers, many card friends already have more than one credit card on hand, while some credit cards that have not been used after activation and have been asleep for a long time may not be used. So, what should I do in the credit card sleep state? Let's get to know each other.

What is the sleep state of a credit card?

The sleep state of a credit card will become a sleep credit card. Generally, as long as the credit card has not made financial transactions such as consumption, deposit and withdrawal, transfer, etc. (excluding interest settlement and inquiry) for six consecutive months, it will enter a sleep state. In addition, although sleep card doesn't use it, there will be security risks, and even a bad credit record may be generated.

how to do the credit card sleep state

how to do the credit card sleep state depends on the cardholder's willingness to use the credit card. If you want to use the card, you are advised to call the customer service number of the issuing bank directly to reactivate the credit card. If you don't plan to use the card, you can cancel it directly.

Precautions for cancellation of sleep card

First, you must determine whether there is any credit card arrears or overpayment. If there is any arrears, you must return the arrears. If there is any overpayment, you must take out the money, and then call the customer service of the issuing bank to cancel. Please note that there is a waiting period of 45 days for the successful cancellation of credit cards. During this period, you must ensure that no arrears and balances are generated, otherwise you will not be able to cancel.