Extended answer:
Every bank card has a production cost. From the moment the application is successful, the bank card account has been generated, and the bank has to pay for data processing and information maintenance. While wasting financial resources, a large number of idle bank cards increase the hidden burden of cardholders, because some banks will charge annual fees for bank cards that are not closed in time. If the cardholder fails to pay the annual fee on time, the relevant arrears information will be recorded in the personal credit report, which will affect personal credit.
For inactive credit cards, some banks do not charge annual fees for the time being, and some banks charge annual fees. The annual fee is charged from 40 yuan to 100 yuan. At the same time, banks generally have regulations: if the cardholder does not use the credit card for a long time and the balance is not enough to pay the annual fee, it is an overdraft. If the user does not repay the loan all the time, it will affect personal credit and cause trouble for buying a house with a loan in the future.
Dormant card: refers to the bank card that the cardholder has been idle for a long time and is in a dormant state; If the bank card has no business for more than two years, it will automatically sleep. At this time, it can't transfer money, and money can't be remitted. Restore the hibernation card and activate it. If it is determined to be dormant, as long as the head of the household carries his ID card and bank card, he will go to the counter of the bank branch where the account is opened to handle the normal business of the dormant household; After paying the annual fee and small management fee owed, the card can be turned into normal after saving money or withdrawing money.