随着现代社会的快速发展，电子支付已经成为我们日常生活中不可或缺的一部分。然而，在这个数字化时代，人们往往更倾向于使用手机支付、互联网转账等新型支付方式，银行卡似乎逐渐失去了它曾经在金融领域扮演的重要角色。

当你长时间未使用银行卡时可能并没有意识到潜藏其中的风险和问题。实际上，长期不使用银行卡可能导致多种潜在问题，并且给自己带来麻烦与损失。

首先, 长时间未使用银行卡容易造成账户被冻结。许多人有过这样一个误解：少用就是好事情；殊不知对于存款机构来说，“沉睡”的账户也存在监管方面考虑。“长时间没动静”、“资金流入量小”，都极大增加了该类用户被视为“高风险客户”的几率。

其次, 若连续12个月内无任何交易记录将导致信用评级下调。如果您持有信用/储值混合功能（如芯片普通公交IC）以及非接触式POS商务应收系统所需设备，则需要每季度至少进行1笔消费验证操作;否则超出此期限后第二年起按标准定价执行服务费规则

再者, 银行因防范洗钱反恐怖主义理由暂停涉案账号提供相关业务同时还需滚动核查关注名单信息是否匹配.

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