Banks have different definitions of sleep accounts. No transaction and low balance are the important basis for banks to judge sleep accounts. If you have this kind of bank card, you can cancel it at the bank.
At present, banks restrict one kind of accounts, and the proliferation of bank cards has been greatly reduced. However, to be on the safe side, I suggest you cancel your account in time in addition to your usual cards such as salary card, loan repayment card and social security financial card.
The hazards of sleep card are as follows:
1, increase expenditure.
Bank cards include credit cards, debit cards and savings cards. Some bank credit cards will charge a certain annual fee, which will accumulate over time for cardholders.
2. Affect credit.
When many people apply for a credit card, the credit card application is approved by the bank and the card is issued to them. However, regardless of whether the credit card is activated or not, the application record will appear in the credit report.
3. Theft risk.
Bank cards have a lot of personal information, and they have not been traded for a long time, so they are usually considered idle or lost. If users are lost, it will increase the risk of telecom fraud and theft, which is difficult for users to detect, and some lawless elements will steal the card without the cardholder's knowledge.