Debit card

Each bank has different regulations. For example, some banks stipulate that if the amount of a debit card account is zero, and the bank card has not been used for any transactions within a period of time when the amount is zero, it will automatically be converted into a "sleep card"

, after the sleep card reaches a certain period of time, if it is a sleep card that is not associated with other accounts, mobile banking, etc., the bank system will automatically clean up and cancel these accounts. There are no unified regulations on the time when it becomes a sleep card and the time when it is automatically cancelled. Different banks have different time limits.

Of course, not all debit cards that have not been used for a long time will be automatically canceled. For example, some banks stipulate that even if the balance in the card is 0, it will not be automatically canceled if it is not used for a long time. It may become a sleep card.

Credit card

If the credit card is not used for a long time, then if the credit card is not activated, the credit card will usually be automatically canceled after the expiration date. However, if the credit card has been activated and is not used, Generally, it will not log out automatically. It depends on the card issuing bank’s regulations.

It is worth noting that most credit cards have annual fees. Usually, you need to swipe the card a certain number of times or a certain amount in a calendar year before the annual fee for this year or the next year can be reduced. So if you use a credit card If you do not use it for a long time after activation, it is likely that the annual fee will be overdue.

In summary, regarding bank cards, the regulations of each bank are different. If you have a bank card that has not been used for a long time, it is recommended to consult the issuing bank to understand the specific rules.