What happens if the Dragon Card credit card is not activated

For the Dragon Card Global Payment Credit Card, if you do not activate the credit card after getting the credit card, you do not need to pay the annual fee.

Once a credit card is activated, you need to pay a certain annual fee. Different types of Dragon Card global payment credit cards have different annual fee standards.

If you successfully apply for a credit card, whether it is activated or not, it will be reflected in your credit report. If you choose to cancel the card directly without activating it, it will reduce your credit value in the bank and you will need to apply to this bank again. Credit cards are more difficult.

Dragon Card Dual Currency Credit Card (hereinafter referred to as "Dual Currency Credit Card") is a series of Dragon Card products issued by China Construction Bank (hereinafter referred to as "Issuing Bank"). Cardholders can use the money first and then repay within the credit limit approved by the issuing bank, and can use it within China (excluding Hong Kong, Macao and Taiwan, the same below) and abroad (including Hong Kong, Macao and Taiwan, the same below), in RMB and designated foreign exchange respectively. Settlement of credit payment instruments.

Warm Tips

1. Spend first and repay later, no deposit required in advance, lead a fashionable life, and fully demonstrate your nobility and taste.

2. Have dual accounts in RMB and US dollars, which can be used both at home and abroad. Domestic transactions (including overseas transactions through the UnionPay network) are recorded in the RMB account, and overseas transactions are recorded in the US dollar account.

3. The "optional password for domestic consumption" function is launched for the first time in China. It can be flexibly selected according to personal card usage habits to meet your different needs.

4. Provide monthly statements to facilitate your financial management. Repayment methods are flexible and diverse.

5. Carefully select preferential merchants across the country to provide you with many preferential discounts on food, clothing, housing and transportation, allowing you to experience VIP treatment at all times.

6. If you lose your card, you can report the loss by phone. Once the loss report is effective, our bank will provide security and you do not need to bear any financial risk.

7. If you dispute any consumption payment, you will enjoy priority processing. The payment will be verified first, making you feel more at ease when using the card.

8. If your card is lost overseas, emergency replacement cards and emergency cash withdrawal services will be provided to help you continue your wonderful trip and make you feel cared for even when you are overseas.

9. We have a dedicated 24-hour service hotline and business outlets all over the country to serve you anytime and anywhere.

Will the CCB credit card become invalid if it is not activated for a long time after receiving it?

You can check the validity period of the card through the two sets of numbers below. For example: 08/20, "/" is preceded by the month and followed by the year. If the card is not activated after this validity period, the card will become invalid.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

I applied for a CCB credit card but didn’t activate it. What’s the harm to me?

Failure to activate a credit card will have the following effects:

1. There will be certain security issues, and it may be stolen and used, causing economic losses.

2. Some high-end credit cards will charge an annual fee if the card is not activated. If an annual fee is incurred and the card is not activated, it can easily cause overdue payment and affect personal credit.

3. If the card application is not activated, the card application record will also affect your personal credit report. Applying for a credit card later will have a certain impact on the review.

It will not do you any harm if your CCB credit card is not activated.

Most of CCB’s credit cards will not charge annual fees if they are not activated, except for diamond/platinum cards, family favorite credit cards, digital dragon cards and other special cards. However, credit has an expiration date. If it is not activated upon expiration, a new card will not be issued. So if you have already applied for it, you might as well consider using it. After all, credit cards are now more and more widely used, and there are many discounts, which are more cost-effective than paying with cash.

If the CCB Long Card credit card is not activated, you do not need to pay the first-year annual fee. It will be charged the following year. However, if you really don’t want to use it, it is recommended that you call the bank’s credit card center to cancel the card to avoid unnecessary troubles.

As long as there is no outstanding balance in your credit card account, you can use China Telecom or China Netcom landline to call the Credit Card Center’s 24-hour domestic toll-free service hotline 8008200588 and then handle the card cancellation business manually. Customer service staff will handle the card cancellation procedure for you after verifying your personal information and account information. There is no handling fee for card cancellation.

The CCB credit card cancellation process is as follows:

1. First, the cardholder needs to state the reason for canceling the card to customer service and fill in the corresponding credit card cancellation application form. After customer service verifies the cardholder's identity information, the card can be canceled. However, if there are arrears on your credit card, including annual fees, handling fees, etc., you must pay off the corresponding arrears before you can cancel the card.

2. Current CCB credit card users can also directly call the CCB credit card hotline - transfer to credit card customer service) and directly submit a card cancellation application to the customer service after being connected. And provide your relevant identity information so that customer service can verify the information.

What will happen if the CCB credit card is not activated?

If the CCB credit card is not activated, it will not be used regularly. In order to enable customers to enjoy the various benefits of CCB credit cards as early as possible, it is recommended that customers open and use the card immediately after receiving it. For cards that have not been activated before the card expires, CCB will not issue a new card to the customer upon expiration. Note: If the customer applies for a CCB credit card with a rigid annual fee, the annual fee will be incurred regardless of whether the customer activates it or not.

(In case of business changes, please refer to the actual situation.)

If the CCB Long Card credit card is not activated or canceled, will there be an annual fee?

Unactivated credit cards generally do not charge annual fees and will not affect personal credit if they are not cancelled.

The Dragon Card Credit Card is an international standard credit card, with one card and two currencies, applicable at home and abroad, and enjoys various discounts from China Construction Bank.

Dual-currency credit cards are divided into VISA cards and MasterCards according to the different international organizations they join. They are divided into corporate cards and personal cards according to the card issuance objects. They are divided into platinum cards and gold cards according to the credit status of the cardholders. and regular cards.

Extended information:

CCB Long Card credit card application standards

1. Applicants applying for dual-currency credit cards must agree to abide by these regulations and fill out the application form. Provide relevant supporting materials and submit them to the card-issuing bank for review. Applicants are responsible for the content filled in the application form and the authenticity of supporting materials.

2. Agencies, groups, military units, enterprises, institutions and other organizations (hereinafter collectively referred to as entities) that open basic deposit accounts in financial institutions within China and have the ability to repay can do so with the approval of the People's Bank of China. Apply for a company card with the basic deposit account opening registration certificate and relevant supporting documents.

3. Natural persons with full capacity for civil conduct and repayment ability can apply for the main personal card with their valid identity documents and relevant supporting documents. They can also apply for other natural persons or restricted persons with full capacity for civil conduct. Natural persons with civil capacity (must obtain permission from their legal representatives) apply for supplementary cards. Each main card can apply for up to three supplementary cards.

All transaction amounts and corresponding interest, fees, etc. of the supplementary card will be credited to the main card account, and the main cardholder shall bear all repayment responsibilities; the main cardholder and the person with full capacity for civil conduct shall Supplementary cardholders are jointly and severally liable for repaying the amounts owed to the bank. Supplementary cardholders with limited capacity for civil conduct are only responsible for repaying debts incurred by the supplementary cards they hold.

Baidu Encyclopedia - China Construction Bank Dragon Card Credit Card

Baidu Encyclopedia - Dragon Card

Is there any impact if the CCB Dragon Card credit card is not activated and if the CCB Dragon Card credit card is not activated and has not been used? This is the end of the introduction. Have you found the information you need?