How soon will the credit card be deactivated?
The credit card has not been used, and the bank will not take the initiative to stop it. However, all credit cards have a validity period of 3-5 years. Two to three months before the expiration, the card issuer will remind the cardholder to change the card. If the new card is not activated, the credit card will not be used normally.
For banks, each credit card will have a certain cost. After issuing credit cards, banks will definitely want cardholders to use credit cards for consumption. When cardholders use credit cards to spend money, merchants have to pay certain handling fees to banks and payment channel companies. If there are no special circumstances, even if the cardholder does not use the credit card for a long time, the bank will not take the initiative to stop using the credit card.
What may be the impact of not using credit cards for a long time?
For large credit cards, the card issuer may reduce the credit card limit. If you don't use the credit card for a long time, you may not be able to meet the conditions of annual fee exemption for credit cards, and you will incur additional expenses such as annual fees. If you ignore it for a long time, you may be overdue because you have not paid the annual fee in time, which will affect your personal credit information.