Will the bank card be automatically cancelled if there is no money?

If the bank card is not used for a long time, it is recommended to cancel it. If you don't close your account, it will be closed. Generally, it will be automatically cancelled after two years. If the card applies for exemption from annual fee and small account management fee, and meets the requirements, there will be no arrears.

If you don't apply for annual fee exemption:

If there is no money on the bank card, continue to deduct the annual fee and accumulate it as debt;

At the same time, the small account management fee is deducted at the rate of 1 yuan every month and once every quarter, which is accumulated as debt;

After six months without money on the card, it will become a sleeping account;

Cancel the card after two years;

The record of arrears is dishonest, which will affect the application for credit cards and loans in the future.