it doesn't matter as long as you don't activate the credit card, and the credit card has a validity period, and it will be invalid after the year, but the bank will call you in this case and will usually send it to you, and the bank will not ignore it.

the bank will first convert the bank card that the customer has not used for a long time into a sleep account. The sleep account can only be used after it is activated. If it continues to be unused for a long time, the account will be cancelled.

1. Agricultural Bank's handling method for accounts that have not been used for a long time: if the customer's account amount is less than 1 yuan RMB and there is no transaction for 18 months, the account will be converted into a sleeping account, and if there is no transaction for more than 5 years, the card will be cancelled;

2. CCB's handling method for accounts that have not been used for a long time: if there is no fund in the customer's account and there is no other contract relationship, it will generally become a sleeping account in three years. If the sleeping account is to be activated, the customer is required to bring his ID card and bank card to activate it at the counter; If there is still no transaction for 4 years, it will be automatically cancelled;

3. How China Merchants Bank handles accounts that have not been used for a long time: cancel personal accounts that have not been used for a long time and have zero balance;

4. Never dispose of idle bank cards casually. Because personal private information is stored on the magnetic stripe of the bank card, if it is not handled properly, it will cause privacy leakage. Therefore, for unused bank cards, it is best for cardholders to cancel at bank outlets. If it is a credit card, they can also call the credit card center to cancel;

5. The cancellation of a credit card is not the same as the cancellation of an account. The cancellation of a card is an unused credit card, but the customer information still exists. Once personal information is collected by criminals and the application for a new credit card is submitted to the bank again, there will be a danger of being stolen.

There are five hidden dangers in the "sleeping card":

Hazard 1: It affects personal credit records.

as long as the credit card application is approved by the bank, the card will appear in the cardholder's credit report, whether it is issued or not. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records.

hazard 2: increase cardholder's expenses.

some special credit cards of individual banks, whether activated or not, will charge an annual fee once the cardholder signs for confirmation, which will increase the cardholder's expenses.

hazard 3: increase the risk of brush theft.

The "sleeping card" is in a sleeping state for a long time, and it is not easy for the cardholder to notice after being obtained by others, which greatly increases the risk of stealing the card.

harm 4: it lays a hidden danger for buying and selling accounts, opening accounts under false names and opening accounts with fictitious agency relationships.

according to the public security organs, in the current new illegal and criminal activities of telecommunication networks, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase the bank accounts and payment accounts opened by individuals.

hazard 5: waste of management resources.

It wastes the management resources of the bank, and the long-term immobile account has become the internal risk point of the bank.