It does not affect personal credit report. Passing the initial review of the system will trigger an invitation SMS message for an interview. The interview time limit is generally 30 days (specifically subject to the SMS reminder). Failure to conduct an interview within the time limit will be deemed as automatic abandonment of the credit card application, and the credit card application cannot be submitted again through online channels within 90 days.

Most credit cards do not have annual fees if they are not activated, but there are also a few credit cards with special materials and high-end credit cards that still charge annual fees even if the card is not opened. Late payment of annual fees will also affect your personal credit record.

As long as a credit card is applied for, whether it is activated or not, it will be reflected in the personal credit system. When applying for a credit card in the future, the bank will inquire about it. Too many inactive credit cards will affect the new card. of approval.

Too many inactive credit cards will affect your personal credit record. If you do not intend to use the card, it is best to cancel the account.

It cannot be used if it is not activated and will not be stolen.

Inactivated credit cards are usually not automatically canceled.

Different banks have different automatic cancellation settings for different types of credit cards. Generally speaking, ordinary cards are "likely" to be automatically canceled after one year, but gold cards, platinum cards and higher-level cards will basically not be automatically canceled and will only temporarily enter a "dormant" state if not activated.

It is best to take the initiative to call the bank’s customer service number to handle the cancellation business.

Related information:

To apply for a China Merchants Bank credit card, you can log in to the official website of the China Merchants Bank Credit Card Center. There is a card application entrance in the top menu bar. You can choose the specific card type to apply according to your needs.

The application conditions for China Merchants Bank credit cards are as follows:

1. Chinese citizens aged between 18 and 60 years old;

2. Stable job and stable income Less than 3,000 yuan;

3. Social security payment certificate for the last six months;

4. Salary card statement;

5. Have a fixed residential address And there are living payment receipts, etc.;

6. Good personal credit, not a shackles.