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【速搜问答】银行卡不用不注销有什么影响

问答 admin 9个月前 (03-21) 147次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

银行借记卡不注销不会有对个人信用产生影响,卡内没有钱不会被扣费,但有的银行规定,银行卡没有交易业务几年后会自动注销的,有的银行会处理成睡眠卡。

If a bank debit card is not cancelled, it will not affect personal credit. If there is no money in the card, it will not be deducted. However, some banks stipulate that the bank card will be cancelled automatically after a few years without transaction business, and some banks will treat it as a sleep card.

银行卡包括两种,一种是借记卡,一种是贷记卡。借记卡不注销,不会对个人信用产生影响,里面没有存款就不会扣费,只是有的银行,没有业务交易,几年后会自动注销,有的银行会将此卡处理成睡眠卡。

There are two kinds of bank cards, one is debit card, the other is credit card. If the debit card is not cancelled, it will not affect personal credit. If there is no deposit in it, there will be no deduction. It is just that some banks, without business transactions, will cancel the card automatically after a few years, and some banks will turn the card into a sleep card.

贷记卡因为具有透支性质,如果持卡有欠费行为,如果不注销会一直欠费,还会产生额外利息,时间长了,银行就会把持卡人加入黑名单,对持卡人的影响很大,会影响到持卡人的征信,希望持卡人及时去注销。

Because of the overdraft nature of credit card, if the card has the behavior of arrearage, if it is not cancelled, it will always be arrearage and generate additional interest. After a long time, the bank will control the card holder to join the blacklist, which has a great impact on the card holder and will affect the credit investigation of the card holder. I hope the card holder can cancel it in time.

储蓄卡不用了之后,不注销一般也不会造成什么影响。既不会产生额外的费用,通常也不会使持卡人的个人信用受损。只是大家需要注意,储蓄卡长期不用可能会陷入“沉睡”状态,变成“睡眠卡”。

After the savings card is not used, it will not cause any impact if it is not cancelled. There is no additional cost and usually no damage to the cardholder’s personal credit. But we need to pay attention to the fact that if the savings card is not used for a long time, it may fall into a “deep sleep” state and become a “sleep card”.

而即使客户不再使用某张储蓄卡,也建议把那张卡片妥善保管好。不然的话,万一卡片信息因一时不慎而泄露,很可能会被不法分子盗用来进行一些违规违法行为。若是担心信息会泄露,之后又的确用不着这张卡片的话,其实还是直接注销掉会比较好。

Even if the customer no longer uses a savings card, it is recommended that the card be kept properly. Otherwise, in case the card information is leaked due to carelessness, it may be stolen by criminals for some illegal activities. If you’re worried about information leakage and you don’t need this card later, it’s better to cancel it directly.

至于信用卡,不用了之后也建议持卡人尽快注销。毕竟很多信用卡都是会收取年费的,即使不使用,年费也不会减免。所以客户不用之后,如果不及时注销,银行从卡片里扣取年费,客户又没能及时还款的话,就可能会造成逾期,被记录到征信报告里,影响到个人信用。

As for the credit card, it is also recommended that the cardholder cancel it as soon as possible. After all, many credit cards will charge an annual fee. Even if they are not used, the annual fee will not be reduced. Therefore, if the customer doesn’t use it, if he doesn’t cancel it in time, if the bank deducts the annual fee from the card, and if the customer fails to repay it in time, he may be overdue and recorded in the credit report, affecting his personal credit.


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