Debit card 1: Under normal circumstances, the postal savings bank card may be automatically cancelled when it is not used, but it also depends on the specific situation. Generally, a bank card account will not be closed when the balance is sufficient, and the bank will not close the account whether the cardholder uses it or not. If the balance of the postal savings bank card is less than 100 yuan, the bank will charge a small account management fee quarterly. Until the account balance is 0, the bank will turn the bank card into a dormant account, and when the bank card has been dormant for 2 years, it will be automatically cancelled.

Credit card: If the credit card is not activated, some banks will cancel the inactive credit card within the specified time limit. If the credit card is not used after activation, it cannot be used without arrears at maturity, which is equivalent to automatic cancellation. However, it should be noted here that since most credit cards need to charge an annual fee, under normal circumstances, it takes a certain number of times to reduce the annual fee. Therefore, if the credit card is not used for a long time under the condition of activation, it may generate an annual fee, which may easily lead to arrears or even overdue. Therefore, after we activate the credit card, if we don't use it for a long time, we'd better cancel the card or cancel the account in time.

Generally speaking, there is no big problem when debit cards are not used for a long time. When the balance in the card is cleared, it will become a dormant account. If the credit card is not used for a long time, you need to pay attention to it, which will easily lead to overdue and affect your credit.