wǒ méiyǒu yínhángkǎ.

The structure is:

我 + 没有 + 银行卡

• 我 = I
• 没有 = do not have / don’t have
• 银行卡 = bank card

So the basic pattern is:

Subject + 没有 + noun

This is a very common way to say that someone does not possess something.

In Mandarin, 有 (to have) is normally negated with 没有, not 不.

• 我有银行卡。 = I have a bank card.
• 我没有银行卡。 = I don’t have a bank card.

Using 不有 would sound unnatural or incorrect in standard Mandarin.

A useful rule:

• Use 没有 to negate 有
• Do not use 不 with 有 in this meaning

Grammatically, it is 没 + 有, but learners often treat 没有 as a fixed expression meaning do not have.

• 没 is the negative word
• 有 means to have

Together, 没有 means not have / there isn’t / there aren’t, depending on context.

In this sentence, it means don’t have.

Because Chinese commonly expresses possession with 有 (to have), just like English often does.

So:

• 我有银行卡。 = I have a bank card.
• 我没有银行卡。 = I don’t have a bank card.

Chinese can also use 没有 in an existence sense, but here the subject is 我, so it clearly means possession.

Mandarin does not have articles like a or the.

So 银行卡 can mean:

• a bank card
• bank cards
• the bank card

The exact meaning depends on context.

In this sentence, 我没有银行卡, the natural English translation is usually I don’t have a bank card or I don’t have any bank cards.

You do not need a measure word here unless you want to be more specific.

• 我没有银行卡。 = I don’t have a bank card / I don’t have any bank cards.
• 我没有一张银行卡。 = I don’t have even one bank card.
  This is more emphatic.

Because the sentence is just making a general statement about not having bank cards, 银行卡 by itself is fine.

In standard Mandarin, 我没有银行卡 is the normal and safest form.

You may hear 没 used in casual speech as a shortened form, but for learners, it is best to use:

• 我没有银行卡。

That is clear, correct, and natural.

Be careful not to confuse this with sentences like:

• 我没带银行卡。 = I didn’t bring my bank card.

That sentence means you may own one, but you do not have it with you right now.

This is an important difference:

• 我没有银行卡。 = I don’t have a bank card.
  You do not own one.

• 我没有带银行卡。 = I didn’t bring my bank card.
  You may own one, but you did not bring it with you.

So:

• 没有 + noun often means do not have / do not possess
• 没有 + verb phrase often means did not do something

Yes, sometimes.

If the context already makes it obvious that you are talking about yourself, you can simply say:

• 没有银行卡。

This can mean I don’t have a bank card in conversation.

However, for a full standalone sentence, especially as a learner, 我没有银行卡。 is the clearest version.

The pinyin is:

• 我 — wǒ
• 没有 — méiyǒu
• 银行卡 — yínhángkǎ

A few notes:

• wǒ = 3rd tone
• méi = 2nd tone
• yǒu = 3rd tone
• yín = 2nd tone
• háng = 2nd tone
• kǎ = 3rd tone

So the sentence is:

wǒ méiyǒu yínhángkǎ

When spoken naturally, some 3rd tones may sound lighter than they do in isolation, but the listed tones are still the correct ones to learn.

银行卡 literally means bank card. It is a broad term and can refer to a card issued by a bank.

Depending on context, it may include:

• a debit card
• sometimes a credit card
• a general bank card

If you want to be more specific, Chinese can use words like:

• 借记卡 = debit card
• 信用卡 = credit card

So 银行卡 is a general everyday term.

It can mean either, depending on context.

我没有银行卡。 can naturally be understood as:

• I don’t have a bank card
• I don’t have any bank cards

Chinese often leaves number unspecified unless it matters.

If you want to be very specific, you can say:

• 我没有一张银行卡。 = I don’t have even one bank card.
• 我没有两张银行卡。 = I don’t have two bank cards.

But the original sentence is general and natural.

Yes, very naturally.

For example:

• 你有银行卡吗？ = Do you have a bank card?
• 我没有银行卡。 = I don’t have a bank card.

You could also answer more briefly with:

• 没有。 = No / I don’t.

That is very common in conversation.