What are the consequences of not using an American bank account for a long time?

Even if the user hasn't used the bank card for a long time, if there is information about arrears or loans, the bank will prompt the user by SMS or telephone.

First, the consequences of not using a bank account for a long time.

1. generates unnecessary expenses.

Most bank savings cards charge an annual fee and a small management fee every year. At this time, your bank card has no money to deduct, and the bank can't deduct it for you. Then the system will write down this account first. If you deposit money into this card in the future, the system will immediately deduct the fees you owed before. Some people may wonder why the money transferred has suddenly decreased. That's the reason.

2. There are hidden dangers.

Generally, we call a card that has no balance and has not been used for a long time as a "sleeper". If the customer's card has no transaction record for five years, the bank will cancel your card by default. Of course, every bank is different at this time. Bank cards also have many hidden risks during sleep.

First of all, it will affect our personal credit record, because as long as the bank credit card is approved and the card is sent to you, your credit card report will show whether you are still inactive. Maybe you don't know that you are in arrears with the annual fee, but it will also affect your personal credit record.

Secondly, it will also increase our risk of stealing brushes. If you don't use it for a long time, it may lead to criminals copying your bank card, stealing your information, using the copied bank card to engage in some illegal transactions, and using the stolen personal information for fraud.

Finally, if you don't use it for a long time, there will be trouble in the future. If your card is automatically cancelled, this bank card will also be restricted. If you apply for a new card in the future, it can only be a Class II account, not a Class I full-function account, which will also bring inconvenience to your future life.

Therefore, it is necessary to cancel the idle bank card in time. Generally, after the card is cancelled, the bank will recycle it and cut it off. If not, you can also disconnect the card yourself to avoid unnecessary trouble. In order to reduce the risk of using your own card, you should also cancel the idle bank card in time.

Second, American bank accounts have not been used for a long time.

Even if the user hasn't used the bank card for a long time, if there is information about arrears or loans, the bank will prompt the user by SMS or telephone. If you don't go back to the United States in the future, or have no plans to move, you don't have to consider the credit problem. Anyway, there will be some impact, depending on the account. For example, some banks will charge management fees, and the negative number will increase when there is no money.