Credit cards have a certain expiration date. Generally, you need to replace the card with a new one when it expires. So if a cardholder replaces a new card without activating it after the credit card expires, what will be the impact? Let’s take a look with the editor.

Is there any impact if the new card is not activated after the credit card expires?

1 The new card will become invalid if it is not activated for a long time

For new cards that are replaced after the credit card expires, It is time-sensitive to activate. If the cardholder fails to activate the new card for a long time after receiving it, the credit card will not be activated.

2 A credit card annual fee may be incurred

If a new card is replaced after the credit card expires, the annual fee cycle will be calculated. If the cardholder opens some high-end platinum cards or other cards, annual fees will be incurred even if the credit card is not activated.

3 It may affect your personal credit report

Some credit cards with special craftsmanship will charge a card creation fee. This fee is usually deducted after the new card is activated. If the cardholder replaces the card with a new one but does not activate it, the bill cannot be fulfilled, and if the payment is not made in time, it will be overdue, which will affect the personal credit report.

4 may be cancelled

Normally, the credit card only needs to be activated within the validity period, but there are some special circumstances. For example, if a cardholder has not activated a new card for a long time, the staff of the card-issuing bank will call to understand the situation. If the conditions are met, the cardholder will be advised to cancel the credit card.

Credit card activation method:

1 Mobile banking: Cardholders can log in to the card-issuing bank’s mobile banking APP, search for credit cards, and click on credit card activation to complete the process.

2 Online banking: Cardholders can log in to the official credit card website of the issuing bank and select the credit card - credit card application - credit card activation menu.

3 Counter channels: Cardholders can bring their personal valid ID and credit card to the offline branch of the card-issuing bank to apply for activation.

4 Telephone channels: Cardholders can call the customer service hotline of the card-issuing bank and ask staff to help activate.

The above is some information about credit cards, you can pay attention to it.