Generally speaking, there is no annual fee for not activating the bank card. As long as it is not activated, there will be no arrears, and your reputation will not be affected. However, some banks, such as Bank of China, have to pay the annual fee even if they are not activated, which may lead to the default of the annual fee without your knowledge. If this happens, even if you are not activated, it will have a bad influence. So you just need to check whether the three cards you handle will not generate annual fees if they are not activated. As long as they don't generate annual fees, your reputation will not be affected.