Is it necessary to cancel the long-term unused Agricultural Bank card?

If you don't plan to use it, however, the annual fee and small account management fee will continue to be calculated. If you don't need a card for the SMS fee, the balance of the bank card is the decimal after zero.

It is suggested to cancel the account, but now the central bank has started to build a personal credit database. If you have an idle card now, you'd better cancel it at the bank where you open the account.

If you don't log off, you will become a sleeping user after 2 years. There is no charge for cancellation. Now you can report the loss of your password for free. You can cancel the card after reporting the loss. It only takes a few minutes. If we don't cancel, some things will have an impact. For example, some systems control that everyone can only use ordinary cards to open 10, and credit cards must be cancelled. As long as the debit card becomes a sleeping account, the bank will automatically cancel it for you, without going in person, and the bank will not hold you accountable!

Extended data:

The so-called dormant card, as its name implies, refers to the bank card that the cardholder has been idle for a long time and is in a dormant state. The dormant card may leave a negative record on your credit report, because you may forget to pay the annual fee.

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. Experts remind that in order to avoid unnecessary troubles, if you don't plan to continue using bank cards, you'd better cancel the "dormant card" in time.

References:

Dormant Card-Baidu Encyclopedia