In fact, after you successfully apply for a credit card, whether you open the card (activate it) or not, you need the cardholder to bear certain responsibilities and risks. First of all, when you apply for a certain type of credit card, some cards will indicate a rigid annual fee. It means that you have to charge an annual fee whether you open the card or not. If you forget this, the bank will regard it as overdue.

Secondly, when the bank sends you a credit card, it has already recorded the card in the central bank's credit report. In the last column of the report, the credit card approval of XX Bank will be displayed. If you don't use the card after you get it, it will cause the card to be frozen, and the freezing will be recorded in your credit record. Once this is recorded, it will affect your success rate in applying for other credit cards in the future.

Of course, the biggest risk is that the card will be activated and stolen by others after it is lost! So, if you have such a card, you'd better activate it first. If you really don't want to use it, you need to cancel your card and account at the bank in time, so as not to affect your credit!

Extended data:

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

There is no need to pay cash for credit card consumption, and the bill will be repaid on the same day. ?

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

References:

Baidu encyclopedia-credit card