For debit cards, it won't matter if you don't cancel them, as long as you pay attention to keeping them and avoid losing your bank card information. For unused credit cards, you need to cancel. As we all know, credit cards have an annual fee, and we may not notice the annual fee when we often use them.

That's because credit card spending accumulates to a certain number every year, and credit cards are free of annual fees. But if you don't use a credit card, you won't be able to avoid the annual fee for the corresponding number of times. If users don't pay attention at ordinary times, they can't find it in time. If the annual fee is not repaid in time, it will also generate liquidated damages, and long-term overdue will have a serious impact on the credit of cardholders. Generally speaking, if the bank card is not used, whether it is a credit card or a debit card, try to cancel it, so as to avoid adverse effects on yourself in the future.

Generally speaking, the bank cards we are processing usually include ordinary debit cards and credit cards. If the bank card we are processing is not used for a long time, we'd better cancel it, so as not to affect ourselves. For debit cards, users can cancel passively or actively. If the user's debit card is not used for a long time and there is no capital flow within three years when the month in the card is zero, the bank will automatically cancel the bank card, which is a passive cancellation;

If there is a balance in the card or there is occasional capital flow and you don't want to use it any more, you must take the initiative to apply to the bank for cancellation of the bank card. If there is a balance in the bank card, the bank will take out the corresponding balance to the user when canceling.

As far as credit cards are concerned, users cannot passively cancel. If they don't want to cancel, they must apply for cancellation themselves. If there is arrears in the card, they need to pay off the arrears and the corresponding liquidated damages before they can cancel it. Even if the credit card is cancelled, the credit information of the user who uses the credit card will be retained. If there is a bad credit record in the process of use, it will have a certain impact on the normal application for loans and credit cards in the future.

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