With the popularization of electronic payment, many people have dusty bank cards lying in their wallets, and these long-term unused bank cards may cause a lot of trouble if they are not cancelled in time.
If the bank card is not used for a long time, it may first face the risk of being deducted. Although many bank cards will be converted into dormant cards after a long period of no transactions, some cards may still have annual fees, small account management fees and other fees, which may accumulate over a long period of time and form a considerable burden.
Secondly, the long-term use of bank cards without cancellation may also increase the risk of theft. Criminals may obtain these dormant bank card information through illegal means, and then steal them, causing economic losses to cardholders.
In addition, a bank card that has not been cancelled for a long time may also affect a person's credit history. If the bank card is in arrears and these fees have not been paid for a long time, it may have a negative impact on personal credit, which in turn will affect the application for financial services such as loans and credit cards in the future.
Therefore, for bank cards that have not been used for a long time, it is recommended to cancel them in time to avoid unnecessary troubles and risks. At the same time, you should also organize your bank cards regularly to ensure that each card can be used and managed reasonably.