Explain that the credit card has not been used after the application is processed, that is, it has not been activated. Every credit card must be activated before it can be used, which is equivalent to confirming to the bank that you really want to use this card, which is equivalent to activation. After activation, you can spend money by credit card or withdraw cash.

The PBC credit report specifically shows the account status, including: inactive, normal, frozen, payment stopped, bad debts and account cancellation (PBC credit report will show different contents for different account status).

If the account status is inactive, no new data will be generated and reported to PBOC, and the PBOC report only shows the basic information of the first report; The influence of different account status on customer loans depends on the loan policies of various institutions.

If you really don't need to use the card, in order to avoid other problems caused by the loss of the card, you can call the bank customer service hotline to apply for cancellation and card cutting.