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【速搜问答】银行卡多久不用会自动注销

问答 admin 9个月前 (03-13) 159次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

银行卡分为借记卡和贷记卡,大部分银行对多年不用的借记卡都会采取在一定期限后转为“睡眠卡”的方式。“睡眠卡”期内,如要恢复卡片使用需要补齐欠款。在转为“睡眠卡”后,三年至五年时间内银行会自动注销卡片。

Bank cards are divided into debit cards and credit cards. Most banks will turn debit cards that have not been used for many years into “sleep cards” after a certain period of time. During the “sleep card” period, if you want to resume the use of the card, you need to make up the debt. After switching to “sleep card”, the bank will automatically cancel the card within three to five years.

银行卡分为借记卡和贷记卡,大部分银行对多年不用的借记卡都会采取在一定期限后转为“睡眠卡”的方式。“睡眠卡”期内,如要恢复卡片使用需要补齐欠款。在转为“睡眠卡”后,三年至五年时间内银行会自动注销卡片。

Bank cards are divided into debit cards and credit cards. Most banks will turn debit cards that have not been used for many years into “sleep cards” after a certain period of time. During the “sleep card” period, if you want to resume the use of the card, you need to make up the debt. After switching to “sleep card”, the bank will automatically cancel the card within three to five years.

信用卡在没有溢缴款的情况下长期搁置不注销会因信用卡年费扣费产生欠费,逾期不还则会影响征信。

If the credit card is shelved for a long time without excessive payment, it will be in arrears due to the deduction of the annual fee of the credit card. If it is overdue, it will affect the credit investigation.

如果银行卡长期不用最好及时主动去银行注销。长期不用的银行卡如果被犯罪分子盗作非法用途,那么就会给用户带来极大的不便。所以银行卡如果不用应及时注销,未来确有用途暂时不需要注销的,应妥善保管以免发生意外。

If the bank card is not used for a long time, you’d better go to the bank to cancel it in time. If the long-term unused bank card is stolen by criminals for illegal purposes, it will bring great inconvenience to users. Therefore, if the bank card is not used, it should be cancelled in time. If it is used in the future, it should be properly kept to avoid accidents.

银监会对于银行卡的注销并没有统一的规定。各家银行都是结合自己的情况,制定注销流程。可以到各个银行的官网上进行查询。

The CBRC has no uniform regulations on the cancellation of bank cards. Each bank has formulated the cancellation process according to its own situation. You can go to the official website of each bank for inquiry.

中国银行:如果借记卡已经一年没用,而且卡上已经没钱,那么这张卡片就将暂停使用,如果账上没钱,且 3 年没用,这样的账户会被银行自动销掉。

Bank of China: if the debit card has not been used for one year and there is no money on it, then the card will be suspended. If there is no money on the account and it has not been used for three years, such an account will be automatically cancelled by the bank.

农业银行:如果借记卡的账户余额为零,并且已经一年半时间没用,银行就会将此卡自动转为“睡眠户”,不能再使用。如果 5 年时间未使用,那么银行就会自动销户。

Agricultural Bank of China: if the account balance of the debit card is zero and has not been used for a year and a half, the bank will automatically turn the card into a “sleeping account” and can no longer use it. If it is not used for five years, the bank will automatically close the account.

交通银行:对连续 2 年内没有交易,且余额为零的账户进行自动销户。

Bank of Communications: automatically cancel the account with zero balance and no transaction for two consecutive years.

招商银行:即使客户银行卡长期不用,银行卡的状态一直是正常的,银行不会将此账户自动销户。如果客户要销户,需要本人到网点去销。

China Merchants Bank: even if the customer’s bank card is not used for a long time, the status of the bank card is normal, and the bank will not automatically close the account. If the customer wants to close the account, he needs to go to the outlet by himself.

工商银行:如果客户的账户没有开通网银、代扣代收等业务,日均余额不足 300 元,该账户就会被银行自动扣收每季度 3 元的管理费,以及 10 元年费,如果余额扣光,就会形成欠费,如果欠费一年半时间,银行就自动销掉账户。

ICBC: if the customer’s account does not open online banking, withholding and collection services, and the average daily balance is less than 300 yuan, the bank will automatically deduct the management fee of 3 yuan per quarter and the annual fee of 10 yuan. If the balance is fully deducted, the account will be in arrears. If the account is in arrears for a year and a half, the bank will automatically cancel the account.

建设银行:对于 3 年以上不用的且资金余额为零的账户来说,就不能正常使用了。

China Construction Bank: for accounts that have not been used for more than three years and have zero capital balance, they cannot be used normally.


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