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.
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.
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.
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”.
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.
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.