Hello, CCB credit cards usually have to be swiped at least three times a year to get rid of the last year's card for free. If you have been useless, the accumulated money will be more difficult to accept, and if you have no money to deduct the spare money in your card, it is an overdraft. Overdraft is charged with overdraft interest, which is calculated at five ten thousandths of your overdraft amount every day. In addition, long-term non-repayment will be blacklisted and will definitely affect your credit. If you need a loan or apply for a credit card again, you will be banned or directly rejected. Please solve the problem as soon as possible according to your actual situation. If you need to check your credit history, you can go to the local people's bank.