Credit cards are generally cancelled after three years of non-use, but some banks have five years, mainly according to the validity period of credit cards of several banks.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 funds according to the regulations, and when the balance of the reserve fund account is insufficient, it can be overdrawn within the prescribed credit limit.