Take China Construction Bank as an example. Personal bank accounts (including debit cards, current all-in-one passbooks and credit cards) and corporate bank settlement accounts newly opened since 10/0/6 1 have no transaction records within 6 months from the date of opening or activation. CCB will suspend the counter business of the account, and the account function can only be restored after re-verifying the account and valid identity documents at any CCB outlet in the country. In addition, for personal current deposit accounts with a balance less than RMB 100 (excluding) and no transaction for more than 3 years (including), the account status will be automatically changed to sleep account. Sleepers still charge an annual fee and a small account management fee. At present, the long-term non-use of savings cards will not affect personal credit records.

Hidden dangers of idle bank cards:

1. If the bank card is idle, it shall be properly solved by the issuing bank. Bank regulations are different, and some users are too lazy to return. Bank staff reminded that although bank cards are idle, there are many hidden dangers, such as the loss of private information.

2. When opening an account, our personal information will be stored on the magnetic stripe of the bank card. If it is lost improperly, it will accidentally cause the loss of private information. Therefore, unused bank cards cannot be thrown away directly. Many bank cards will generate annual fees after opening. If you don't use it for a long time, you will accumulate annual fees.

Don't wait for the bank to contact. The best way is to take the initiative to cancel at the bank outlets. To cancel the bank card, as long as the cardholder holds the bank card and his ID card and applies for cancellation at the same bank as the issuing bank.

If the bank card is lost, you need to reissue a bank card before closing the account. After the bank teller confirms the account cancellation, the card will be trimmed. About a month later, this card was cancelled. If it is a credit card, you can also call the credit card center to cancel it. This can not only avoid privacy leakage, but also avoid wasting a lot of money.