Do you have a bank card that has been "sleeping" for a long time? It once accompanied your salary, bonus, or pocket money, but as time passed, the balance gradually returned to zero.

At this time, do you choose to close the account, or continue to keep it? This seemingly simple choice hides many tricks behind it.

A reminder from a bank insider makes us realize that a bank card with "no money" is not simply "poor," but may bring us unexpected losses.

1. What are the impacts of not closing a bank card with no money?

Many people may think that since there is no money in the card, it is useless to keep it, just let it be.

Advertisement

But you may not know that a card with a zero balance, if not used for a long time and not closed, may bring you a series of "troubles."

A card with no money may also generate an annual fee. Some bank cards, especially credit cards, even if you do not use them, the bank will charge a certain annual fee every year.

This fee will be directly deducted from your account. If your card happens to have no balance, it will become a "debt" status.Over time, the debt will accumulate more and more. By the time you remember this card, you may have already owed a large sum of money.

A card with a zero balance also carries the risk of being fraudulently charged. Criminals may take advantage of your long-unused card to conduct illegal transactions, causing you economic losses and legal troubles.

There was once a lady whose idle card was fraudulently charged for nearly ten thousand yuan, which also affected her personal credit.

Although the loss was eventually recovered with the assistance of the bank, the lesson was deeply impressed upon her.

In addition, cards that are not used or canceled for a long time may also affect your credit score.

Banks or credit reporting agencies may think that your financial management ability is poor, thus reducing your credit score.

This may affect your future loans or other financial transactions.

Therefore, a card with no money, if not dealt with in time, seems "harmless", but in fact, it may become your "time bomb".II. Should We Close the Account or Keep It? How to Properly Handle a Bank Card with No Money

When faced with a bank card that has no money, should we close the account or keep it? There is no absolute answer to this question; it needs to be determined based on the type of card and one's actual situation.

Generally speaking, if it is a debit card that is no longer in use, it is recommended to close the account. Keeping it not only occupies bank resources but may also bring unnecessary risks to oneself.

However, if you may use it in the near future, such as waiting for the next salary or bonus, you can keep it for now.

But don't forget to regularly check the status of the card to avoid "being a substitute."

If it is a credit card, the situation will be more complicated. On the one hand, closing the account may affect your credit record and score.

On the other hand, long-term zero-balance usage may also be regarded by the bank as a "bad record."

So, if you temporarily don't need to use this card, you might as well reduce the credit limit to the minimum to avoid the generation of fees such as annual fees.Only increase the credit limit when it is needed, which can both preserve your credit history and avoid unnecessary expenses.

Whether to close the account or keep it, we need to develop the habit of regularly checking and managing our bank cards.

It is recommended to log in to online banking or the mobile banking app every once in a while to check the card balance, transaction records, etc.

If any abnormalities are found, contact the bank's customer service in time to prevent the loss from expanding.

At the same time, when applying for a new card, we should also choose according to our actual needs. Do not blindly apply, resulting in too many cards with insufficient balance, which not only wastes resources but also increases the difficulty of management.

Choosing one or two cards that suit oneself and developing good usage habits is a wise move.

Conclusion

Bank cards are indispensable tools in our financial life, but how to manage these "purse" well is an art.A bank card without money may seem insignificant, but if not handled properly, it could bring us unexpected losses and troubles. Whether to close the account or keep it, we need to make a wise choice based on the actual situation.

At the same time, developing good habits of regular checking and reasonable use can also make our bank cards a powerful assistant in managing wealth. Every choice you make is related to the safety of your money and the health of your finances.