What are the consequences if you don’t deposit money or close your bank account for a long time? Will I owe money to the bank?

The bank cards on sale mainly include debit cards and credit cards. The largest one in terms of quantity sold and number of uses is the debit card. The most important difference between a debit card and a credit card is that a credit card can carry out transactions above the credit limit. Debit cards only perform the most important withdrawals and the basic elements of savings. Compared with a debit card, a credit card is more like a president who can borrow money at any time. But this president has a certain amount of money.

For debit cards, if the card is empty, payment cannot be made. If someone does a series of things such as turning on the balance check SMS function during the process of opening the debit card. For business, a series of expenses will inevitably be deducted. However, this fee is relatively low. Will the financial institution of the debit card continue to deduct the relevant fees if the card is left empty for a long time? In fact, I don't know that a debit card that has been empty for a long time will be considered a dormant card, and the financial institution will automatically start the cancellation process. We don’t need to pay too much attention to the debit card. If there is a certain balance in the debit card and it has not been used for a long time, it will also be considered dormant and forced to be cancelled. In this case, a certain amount of money will be lost.

Compared with credit cards and debit cards, credit cards require payment of annual service fees and related period fees. Some people, because financial institutions hold discounts and promotions to apply for credit cards, stop using their credit cards after the special promotions and do not cancel them. In that case, do I have to pay the financial institution period fees? The answer is yes. Credit cards do not have policies related to sleep accounts like debit cards. The general credit card slime mold fee is about 100rmb to 200rmb. As time goes by, this asset will slowly increase, and its overall growth rate may be very fast. If you don't use a credit card for a long time, the fees will not subside and the loan will not subside. If you borrow a certain amount, the bank will notify you to repay the loan. If you don't repay the money for a long time, it will often affect your credit report.