Bank card is a credit payment tool issued by commercial banks to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank cards in a broad sense include debit cards and credit cards, in which debit cards cannot be overdrawn and credit cards can be overdrawn. Then, will Guangfa Bank Card be automatically cancelled if it is not used for a long time? Let's get to know each other.

Will Guangfa Bank Card be automatically cancelled if it is not used for a long time?

Guangfa Bank also divides debit cards and credit cards. Debit cards and credit cards are not used for a long time, and banks will handle them differently.

1 The debit card of Guangfa Bank will be automatically cancelled if it is not used for a long time. Under normal circumstances, if the bank card has no capital flow within two years, it will be recognized as a current account by the banking system, so the bank card will not be used normally. A bank card that becomes a sleep account needs to be reactivated by the cardholder before it can be used normally.

The credit cards of Guangfa Bank will not be cancelled if they are not used for a long time, but all credit cards are time-limited. If the cardholder fails to renew the credit card in time, the original credit card will be invalid and it is impossible to continue to use the credit card for consumption. Of course, if there is an outstanding bill on the credit card, the cardholder still needs to repay it normally.

The validity period of a credit card is generally around 3 years, 5 years, 8 years, 10 years, depending on the type of credit card products that users apply for. The validity period of different credit card products is different.