What happens when a credit card is useless for a year?

The consequences of a year's useless credit card are as follows:

1, the credit card is useless for one year, and the bank will freeze the user's credit card. Only when the user pays off the arrears in time and explains the situation to the bank will the bank unfreeze the credit card;

2. The credit card is useless for one year, and the credit card will generate an annual fee. It is considered that the user does not have any business and does not meet the annual fee-free standard. Repay on time, otherwise it will lead to overdue credit and affect users' future loan and credit card applications;

3. The credit card is useless for one year, and the bank will reduce the credit card limit, which is not easy to increase.

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