The meaning of converting a credit card to a small-amount fixed-account account is this: if the account you opened in the bank has not been touched for several years and the amount is small, the bank will transfer it to a non-deposited account. But it doesn't matter, as long as you can You can still retrieve it by providing the credentials and knowing the password. How long will it take for a personal bank account to be converted into a non-active account if it is not used for a long time? If the bank card is not used for a long time, the account will be cancelled, usually automatically after two years. If there is no money on the bank card, the annual fee will continue to be deducted, and the accumulated debt will be accumulated; at the same time, a small account management fee of 1 yuan per month will be deducted, once every quarter, and the accumulated debt will be accumulated; after six months there is no money on the card Converted to a dormant account; the card will be canceled after two years; the debt record will be included as bad credit, which will affect future applications for credit cards and loans.