An inactive credit card will generate an annual fee. Not all credit cards are inactive and there is no annual fee. Some credit cards with special platinum cards charge an annual fee if they are not activated. This requires cardholders to understand the relevant rules of credit cards when handling credit cards, so as not to bear unnecessary expenses.

Credit card overdraft or cash withdrawal, etc. Did not repay on time. Credit card overdraft consumption enjoys a certain interest-free period, but after the interest-free period, the cardholder needs to repay the arrears. Repayment must be made on time before the due date. If the cardholder fails to repay the loan, it will also lead to a bad personal record of the credit card.

Your ID card or a copy of your ID card has been given a credit card and stolen maliciously. This will also lead to a bad record of personal credit cards.