Idle credit cards will not lead to additional charges. As long as you don't use them, there will be no interest or other charges except annual fees. However, if the credit card is not activated, the bank will charge an annual fee after one year, for gold card 16 yuan and ordinary card 8 yuan. It should be noted that even if you don't use a credit card, if you don't repay the annual fee on time, the monthly bill will be regarded as unpaid by the bank, which will affect your credit history. If the credit record is damaged, it may be difficult to apply for loans from financial institutions in the next two years.

in order to avoid this situation, the only solution is to contact the customer service of the bank directly and apply for canceling the credit card through manual service. It is worth noting that even if the card is lost, the bank will not waive the annual fee for free. On the contrary, it is suggested that you report the loss, and the fee for reporting the loss is 5 yuan. Therefore, if you swipe your credit card at least three times within one year after opening the card, you can avoid the annual fee for the next year, which is obviously a cost-effective choice.

Generally speaking, keeping credit cards active and paying back on time can avoid unnecessary expenses and credit impact, which is more sensible for cardholders.