1. You can’t have no money in a gold credit card, and you can have no money in a gold debit card.

2. Gold cards can be subdivided into credit card gold cards and debit card gold cards. There cannot be no money in a credit card gold card, because after the limit is consumed, the credit card will be closely monitored by the bank, which will affect Creditworthiness. There is no need to have money in the debit card gold card, because the money in the debit card is private property and can be used freely.

3. The consequences of having no money in the debit card for a long time: the bank will charge a management fee, which is an annual fee. If this is the case, the bank will deduct it bit by bit until the amount of money in the card is is negative, so when you want to cancel the card after a few years, you will need to make up for these small account management fees. Therefore, it is strongly recommended that when there is no money in the debit card, you should go to the bank where you opened the account to cancel it in time to avoid unnecessary losses.

4. The consequences of having no money in a credit card for a long time: If you open a credit card and don’t use it for a long time, it will still be a valid credit card. Generally, credit cards don't require a small account maintenance fee, but it's worth noting that many credit cards require an annual fee. The bank will deduct the annual fee regardless of whether the card is activated or not. If it is not paid back, it will have a negative impact on the personal credit investigation. Any future banking services, such as loans, may be affected, so it is recommended that everyone who has applied for a credit card but never uses it should cancel it. Debit cards are fine, and no money will be deducted in the end. They will be automatically canceled for you after two years, but you will still lose a small amount of money. But if it is a credit card, don't hesitate anymore. It is best to cancel it as soon as possible.

5. If there is no money in the debit card or gold card, and there are no cash transactions for a long time, there is no risk of owing money to the bank. Because everyone has not conducted business transactions for a long time, the bank will treat this bank card as a sleep account, which means that this account has not generated income or expenditure for a long time. The current bank regulations are that if an account has no income or expenses for more than one year, and if such an account is deemed unnecessary after investigation, it will be cancelled.

In summary, being out of money in a credit card for a long time will have a certain impact, but there will be no impact when there is no money in a debit card, so you can rest assured.