how to deal with the credit card that has not been used for a long time

cancellation.

1. In the face of credit cards that have not been used for a long time, after consulting the official customer service of the issuing bank, the user should pay off the arrears quickly, and the overpayment can be swiped.

2. after handling the above steps, the user who wants to cancel can exchange all the points in the credit card.

3. After completing the above two steps, the user can officially cancel the useless credit card.

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At present, the number of credit cards issued by major banks is increasing every year, which also shows that more and more people use credit cards, and the number of credit cards held by each person will increase, which will lead to some idle cards. Including the following situations:

1. The quota is too low

2. There are few preferential activities

3. The utilization rate is relatively low

4. Cards that have been processed but have not been activated

5. Cards that have been used for a long time in this bank are also called sleep card, especially the last one. Many small partners have applied for a higher level through curve withdrawal.

Therefore, we must carefully check whether these cards appear in our credit cards. If there are, we must deal with them as soon as possible. Today, Ke Ben will talk to you about the process of credit card cancellation:

1. Before we cancel the cards, we need to confirm whether our credit cards have paid off all the arrears. If there are still arrears, we should pay them off before we can cancel the cards.

2. Call the bank's customer service and ask if your credit card has any overdue records in the past two years. If so, I suggest that you don't need to cancel this card for the time being, and you should use it for at least another two years, and make sure that it will not expire during the use, so that your credit information will not be affected.

3. Log in to the mobile APP of the credit card and check your points. If there are many points, you can get rid of them first, and exchange them for gifts or phone bills. In short, don't let the points be wasted.

after finishing the above three things, we can call the customer service of the bank and ask for cancellation of the credit card. After the bank confirms that there is no problem, it will handle the cancellation procedures for you. Credit cards that have been cancelled by the bank don't need to be returned to the bank. Here, Ke Ben suggested that you should cut off the cancelled cards. Of course, if you think the cards look good, you can keep them for collection.

I'd like to remind you that after 45 days of card cancellation, you'd better call the bank customer service again to confirm whether the credit card cancellation is successful!

In addition, many people seem to be somewhat vague about the concepts of card cancellation and account cancellation. Many small partners think that card cancellation means account cancellation, but it is not. There is a big difference between the two. We should know that every cardholder has an account in the bank, and there may be many credit cards under an account. The so-called card cancellation is just the cancellation of the credit card, and the cancellation of the account is the cancellation of all the information in the bank.

so what should we do with those unused credit cards, cancel them or cancel their accounts? In fact, after we understand the difference between account cancellation and card cancellation, this problem becomes very simple.

If the credit card really offers few discounts, and the chances of using it by yourself are very small, and there is no room for improvement in the credit limit, then we can choose to cancel the card; And if the credit card is obviously easy to use, but the credit card limit can't be improved because of some bad habits of using the card before, then we can choose to cancel the account, maintain a close business relationship with the issuing bank, and apply for the bank's credit card after half a year. I believe the credit limit will be greatly improved.

what will happen if a credit card is never used?

1. If the credit card has been left unused and has not been cancelled or reported lost, the bank may automatically deduct the annual fee

Because most credit cards have annual fees, and some credit cards are hard annual fees or must meet certain conditions to avoid paying the annual fee for the following year.

2. The bank may adjust the credit line

In fact, the credit card line can be adjusted. If the credit card is idle for a long time and there is no consumption record, then the bank may adjust the credit card line.

3. Information about the credit card will be recorded in the credit report, including whether the credit card is activated or not, and whether it has expired

That is to say, whether it is activated or not will be recorded in the credit report of the central bank. If the annual fee is deducted from the credit card but it is not repaid in time, it will affect the credit record. If you have a card handling record, but no use record, you can refuse to apply for a credit card in the future.

if the card is not activated after application, or if it is not used after activation, it will affect the pass rate and quota of credit card application in the future. For some card friends who value the quota, the impact may be greater.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

What's the impact of a long-term empty credit card

In fact, the impact of a long-term empty credit card is not great. I don't know whether the empty credit card you said is always full of credit, leaving no room, or whether the credit card has been useless and idle. Generally speaking, there is a little risk if the credit line is often emptied, but there is no risk if the credit card is not used. Next, let's take a look at how to avoid blocking a long-term empty credit card!

1. What is the impact of a long-term empty credit card?

A long-term empty credit card refers to the behavior that a credit card has been in an unlimited state for three months or more. Simply put, the credit card limit is used up or about to run out. In general, the remaining 1% of the credit line can be regarded as an empty card. Long-term empty card will not only increase the price of this credit card, but also bring the danger of blocking the card, and even affect the credit card approval and quota of other banks.

especially for credit cards with higher credit limit, the higher the credit card limit, the greater the risk of card closure and credit reduction caused by long-term empty cards. If the credit card has no available quota due to cashing, it is often empty and easily controlled by the bank, and the bank may downgrade the credit card.

In addition, if the credit card is empty for a long time, it will increase the debt ratio and make the issuing bank question the cardholder's repayment ability. If the cardholder handles the credit business of other banks, it is very likely that the card issuing bank will directly refuse it.

2. How to avoid blocking a credit card when it is empty for a long time

Although the bank encourages us to swipe more cards, it strictly monitors our swiping behavior. For example, long-term empty cards will be recognized by banks as suspected of cashing out, especially large credit cards with a limit of tens of thousands. Long-term empty cards are also easy to expire. In the eyes of banks, the greater the risk, the easier it is to be blocked.

On the other hand, those small credit cards, because of their low quota, have a small risk factor, as long as they are not overdue, they will be fine.

In a word, if the credit card is always empty, there is a risk that the credit card will be frozen. It is recommended that you don't wait until the repayment date after the credit line is empty. It is better to repay the credit card by brushing several small lines and using high-frequency repayment to reduce the negative impact caused by long-term empty cards.

3. Does the empty credit card affect the credit investigation?

The empty credit card will not affect the credit investigation. After the credit card is emptied, as long as the user repays the loan on time, the biggest impact will be that the amount of credit will be slowed down and the bank will reduce the amount. Only the credit card overdue repayment record, such as three to six times in a row, will have a serious impact on the credit investigation. Once in a while, it is overdue, but it will be paid off immediately, which will not have much adverse impact on credit reporting.

users are advised not to empty the credit card limit once a month, but to brush it to about 8% at most.

Will the credit card be withdrawn when it is idle

As we all know, the credit card withdrawal is affected by many factors, such as the cardholder's card use behavior and credit conditions. Generally speaking, it will be faster to withdraw the credit card if it is used frequently, so will the credit card be withdrawn if it is idle?

1. From the bank's point of view, it is natural to hope that cardholders can use credit cards more, so that banks can earn fees. In addition, they can learn about cardholders' spending power and repayment ability by using cards, which are one of the key factors to judge whether credit cards can be withdrawn.

2. If the credit card is idle, it will send a message to the bank that there is no demand for the credit card, and the bank will not necessarily raise the amount when it sees that the cardholder's existing limit is not used, plus there is no need to repay without spending, and it is not clear what the cardholder's spending power and repayment ability are.

3. However, if the cardholder does not use the card, but the credit conditions have changed, such as buying a house, a car, or a wealth management product at the bank, etc., the relevant financial proof has been uploaded through the credit card official website, indicating that there is no big problem with the cardholder's repayment ability, and it is possible to raise the amount, which is subject to the evaluation results of the banking system.

that's the introduction about whether the credit card will be raised when it is idle. I hope I can give you some reference.

will there be a charge if the credit card is idle? Do you know these influences?

There are a lot of people who apply for credit cards now, but not everyone needs them. For example, some people follow the trend and find that they don't need them, so they will leave their credit cards idle. This needs to be noted, there will be charges for idle credit cards, but it is mainly based on the different types of credit cards. Let's take a look.

will there be a charge if the credit card is idle?

all credit cards have an annual fee, but some cards can enjoy annual fee concessions, while others have to be charged, that is, non-annual fee cards and annual fee cards.

Among them, the non-annual fee card refers to the ordinary credit card that everyone handles, such as the Puka Gold Card. This kind of credit card is not activated and there is no charge. After activation, the annual fee can basically be reduced by the number of swipes. For this reason, if this kind of idle credit card is not activated, you don't have to worry about the cost. If it is activated, it depends on whether you have brushed enough annual fee-free times before it was idle. If you don't brush enough bank settlement annual fee, you will directly deduct the money.

Usually, the annual fee will be deducted if the card is approved successfully, even if it is used every month, not to mention idle, and the cost is at least hundreds, thousands and tens of thousands. However, compared with the cost, the rights and interests of such credit cards are still beyond value. As long as the card is used, there is still a chance to earn it back, but if it is idle, there is no way.

other effects of credit card idleness!

In addition to possible expenses, idle credit cards will also have other impacts. One is that there will be security risks. Many credit cards are flash payment cards, and the small secret-free service is enabled by default. If someone finds them, they may be stolen. One is a credit card that has not been traded for more than 18 days. Some banks will control the transactions, but when they want to swipe it, they find it useless.

In short, if you have idle credit cards, it's best to check whether there is a demand for them. It's really useless. If there is no overdue record of the credit cards, it's best to cancel them, so you don't have to worry about the fees and various risks.

Idle credit cards don't do great harm. Don't wait until it affects your credit information.

Nowadays, it is common for people to have several credit cards, but it doesn't mean that all the credit cards they hold can be used. In particular, a considerable number of people go for the gift, and then they leave their credit cards alone, and then these cards will be idle. A bad one will have various consequences, and in serious cases, it will endanger personal credit. Let's take a look.

1. Idle credit cards may have these hazards

The more direct one is that it will affect credit reporting. Of course, idle credit cards include inactive credit cards and long-term unused credit cards, which may affect credit reporting in any state. There is a lot of news that many people have good financial ability, but because of the influence of idle credit cards, they can't even apply for mortgages.

In addition, credit cards are easy to be stolen when they are not in use. Nowadays, many credit cards can be used without entering a password. If your credit card falls into the hands of criminals, it will be stolen and bring property losses to yourself. Not to mention that this kind of credit card still has certain security risks. After all, the personal information of the cardholder is stored on the magnetic stripe/chip of each credit card. If it is not handled properly, it will cause the disclosure of personal privacy information.

2. Why do unused credit cards affect credit reporting?

Idle credit cards affect credit reporting mainly according to activation status, which can be divided into two situations:

1) Inactive credit cards are charged: if credit cards are not used, they will not be charged an annual fee, but most credit cards with platinum level or above and some credit cards with special materials will be charged if they are not opened, some will be charged an annual fee, and some will be charged a business card fee.

2) The number of times after activation: Except for high-end credit cards, most credit cards can reduce the annual fee by swiping the card. If the card is left idle without paying enough annual fee, the annual fee will also be deducted. If it is not repaid in time, it will naturally be deducted.

3. Analysis of the handling methods of idle credit cards

1) If the idle credit cards have not been charged, and the credit information has not been affected, the best way is to cancel the accounts directly. You can bring your credit card and ID card directly to the counter of the bank branch. However, it takes 45 days for the credit card to be officially cancelled. During this period, you should make sure that the credit card will not generate any more expenses, and don't use the credit card again, otherwise the cancellation will not be successful.

2) If the idle credit card has generated bad credit due to overdue, please note.