How many of the account holders in South Bohemia still do not own credit cards?
A3 contains the region names; South Bohemia is one of region names.
SELECT COUNT(T3.account_id) FROM district AS T1 INNER JOIN client AS T2 ON T1.district_id = T2.district_id INNER JOIN disp AS T3 ON T2.client_id = T3.client_id WHERE T1.A3 = 'south Bohemia' AND T3.type != 'OWNER'