Credit cards that are not used for a long time will not be deactivated. There are no specific regulations, but the limit will be reduced.

Because the credit card user has not used it for a long time after activation, or the amount or number of card swipes is seriously lower than the credit card limit, it will be considered that there is no need to use the card, and the limit will be reduced. If the cardholder's consumption and repayment status are good, the limit will be continuously increased for him. If the cardholder's financial situation deteriorates and his repayment record is poor, his credit card limit will be reduced.

This is because when a user applies for a credit card, even if there is no overdraft, the credit limit will occupy capital, causing the bank's capital adequacy ratio to decline. The credit card limit is lowered to reduce the bank's occupation of capital.

Extended information:

There are no relevant regulations for deactivating a credit card if it is not used for a long time, but the limit will be reduced. Personally customized credit card charging services are generally charged on a monthly basis, and are deducted from the credit card limit in the same way as the annual fee, and then included in the credit card's monthly bill.

If you neglect to manage your idle credit cards and forget about customized charging services, forgetting to repay will have the same consequences as mentioned above, which will also have a negative impact on your credit report. In addition, if If idle credit cards are lost due to neglect of management, they may be used by others and stolen by some criminals, which will also bring unnecessary troubles to life.

People's Daily Online - The consequences of not using your credit card for a year will be serious: the limit will be reduced to zero