Credit card is a necessary way of payment for modern people to travel, but some people will cancel their credit card automatically because of too many credit cards. The bank card will be cancelled when it is not used for about 2-5 years, and the specific bank will be different in different times.
Regulations on the cancellation of sleep bank cards of various banks
Agricultural Bank of China: if the customer's account balance is zero and has not been used for a year and a half, the bank will automatically convert this card to a 'sleep account' and can no longer use it. If it is not used for 5 years, the bank will automatically close the account.
Bank of China: if the debit card has not been used for a year and there is no money on the card, the card will be suspended. If the customer wants to use the card, he / she needs to take his / her ID card and bank card and go to the counter to activate it. If there is no money in the account and it is useless for three years, such account will be automatically cancelled by the bank.
Bank of Communications: automatically close accounts with no transaction and zero balance in two consecutive years.
China Merchants Bank: even if the customer's bank card is not used for a long time, the status of the bank card is always normal, and the bank will not automatically close this account. If the customer wants to close the account, he needs to go to the outlet.
Industrial and Commercial Bank of China: if the customer's account does not open online banking, withholding and collection and other businesses, and the daily average balance is less than 300 yuan, the account will be automatically deducted by the bank from the management fee of 3 yuan per quarter and the annual fee of 10 yuan. If the balance is deducted completely, a arrears will be formed. If the arrears are one and a half years, the bank will automatically cancel the account.
China Construction Bank: for accounts that have not been used for more than three years and have zero fund balance, they cannot be used normally. If customers need to use them, they need to activate them at the account opening outlets. At present, we have not received the notice that the head office will automatically close the account. If the customer needs to, he can go to the outlet to close the account himself.