Dormant card refers to the bank card that the cardholder has been idle for a long time and is in a dormant state.

Because some banks will charge an annual fee for bank cards that are not closed in time. If the cardholder fails to pay the annual fee on time, the relevant arrears information will be recorded in the personal credit report, which will affect personal credit.

Extended data:

The most suitable number of cards:

Everyone has a credit card and a debit card.

According to industry insiders, to handle bank cards, we should choose the way that suits us best according to our own needs, and do less "personal cards" to prevent the trouble of owing annual bank fees in the future.

Relevant persons reminded that white-collar workers and wage earners have stable incomes and can hold a debit card and a credit card that is the same as the bank to which the debit card belongs.

It is best to use a debit card as your salary card, and when you apply for a credit card, you can also apply for automatic repayment of the credit card with a debit card, which can not only prevent the possibility of forgetting to pay back the credit card debt, but also save the cost of inter-bank transfer. At the same time, using a credit card can also improve your credit, and the credit evaluation will be referenced in the future loan, mortgage and credit card processing.

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