Credit cards (credit cards) cannot be used without activation. Naturally, credit cards (credit cards) cannot be used for consumption, cash withdrawal, or transfer. Although credit cards (excluding platinum cards and high-end cards) do not incur any fees if they are not activated, if the user does not activate and use the card, the bank will have to bear the cost of issuing the card, which will lower the bank's evaluation of the user.

Therefore, the inactivation of credit cards (debit cards) also has an impact on users. Although it does not directly affect personal credit, there are also indirect effects.