If there is no money in the bank card and it has not been used for a long time, the debit card will be converted into a dormant account if it has not been used for more than 3 years. If it is not activated during this period, it will be canceled; and the credit card will be canceled if there is no overpayment. If you leave it on hold for a long time without canceling it, you will incur arrears, and if you fail to pay it back after the due date, your credit record will be affected.

Supplementary information:

1. Regulations on cancellation of sleep bank cards of various banks

1. Agricultural Bank of China: If the customer’s account balance is zero and has been If it is not used for a year and a half, the bank will automatically convert the card into a "sleep account" and cannot be used anymore. If it is not used for 5 years, the bank will automatically close the account.

2. Bank of China: If the debit card has not been used for a year and there is no money on the card, then the card will be suspended. If the customer wants to use this card, he or she needs to bring his/her identity. Bring your ID card and bank card and activate them at the counter. If there is no money in the account and it has not been used for 3 years, such an account will be automatically canceled by the bank.

3. Bank of Communications: Accounts with no transactions for 2 consecutive years and a balance of zero will be automatically closed.

4. China Merchants Bank: Even if the customer's bank card is not used for a long time, the status of the bank card will always be normal, and the bank will not automatically cancel the account. If a customer wants to cancel his account, he needs to go to the branch in person to do so.

5. Industrial and Commercial Bank of China: If the customer's account does not have online banking, withholding and collection services, and the average daily balance is less than 300 yuan, the bank will automatically deduct a management fee of 3 yuan per quarter from the account. , and an annual fee of 10 yuan. If the balance is deducted, arrears will occur. If the arrears last for one and a half years, the bank will automatically cancel the account.

6. China Construction Bank: Accounts that have not been used for more than 3 years and have a zero balance cannot be used normally. If customers want to use them, they need to activate them at the account opening outlet. At present, we have not received any notification from the head office that the account will be automatically closed. If necessary, customers can go to the branch to cancel the account by themselves.

2. Things to note when canceling the card:

1. If there is still money in the bank card, you can withdraw all the money at the counter when canceling the account.

2. If the bank card is lost, you need to apply for a new bank card before canceling the account. There is a card fee for replacing the card.

3. For debit cards, if the card is not used for a long time, it will generally be automatically frozen and will not affect your personal credit record. If it is a credit card, it will not be automatically frozen if it is not used for a long time, and it may be overdue due to annual fees.

4. To cancel a credit card account, you must withdraw the balance on the card and ensure that there is no outstanding balance on the card.

5. After the savings card account is successfully canceled, it will not affect future applications. After a credit card is successfully closed, if your personal credit has been affected by careless use of the card before, it will cause some trouble in applying for a credit card in the future.