If you feel that you really can’t use your credit card, it is recommended to cancel the card and account at the same time for those credit cards that are not frequently used by banks, have low limits, and have no overdue records or billing records.

In many cases, credit cards that are not activated or opened will also incur fees. For example, for China Merchants Bank Credit Card, if the user chooses express delivery when applying for a credit card, the express delivery fee will be included in the credit card bill.

Some special credit cards also have card appearance fees, such as Shanghai Pudong Development Bank's "privately customized" cards. If you select the card number, card material or color, there will be a card appearance fee, and the card appearance fee will also be charged. Reflected in credit card statement.

A platinum card or a credit card of a higher level than the platinum card will incur an annual fee as long as you apply for it, regardless of whether it is activated or opened.

Extended information:

Notes on canceling credit cards:

1. The card to be canceled should not be in arrears. Before canceling the card, first confirm whether there is any unpaid balance on the credit card. If you don’t know your repayment limit, you can call your card-holding bank for consultation. If you cancel the card if you have unpaid debts, it will affect your personal credit score.

2. Do not use the card to be canceled during the "clearance period". Generally, when a bank cancels a card for you, it will take about 45 days for a "clearance period". It can only arrange cancellation after ensuring that there are no delayed transactions on the canceled card. After waiting for the "clearance period" to pass, in order to ensure that the card cancellation is completed, it is recommended to call the bank's customer service number or go to the bank branch for confirmation.

3. Cards with overdue records within two years should not be canceled. Overdue records of credit cards will generally be kept in the credit report for 2 years. Even if the debt has been paid off, the records after canceling the card will still be retained, and normal use can only be guaranteed until the records are eliminated. Otherwise, it will affect your future loan and other financial business processing.

4. Inactive credit cards need to be canceled. Generally speaking, unactivated ordinary credit cards do not incur annual fees, but it is difficult to say for some special cards, so for the sake of insurance, it is better to cancel unactivated credit cards in time if they are not used.

5. Use enough amounts and times to waive the annual fee before canceling the card. If your credit card needs to be swiped a sufficient number of times or with a sufficient amount to be exempted from the annual fee, it is recommended to cancel the card after meeting the conditions. Otherwise, it will be equivalent to not paying the annual fee and it will be overdue.

6. Remember to "destroy the card" after the card cancellation is completed. Make sure that after you have canceled the card at the bank, you should immediately cut off the magnetic strip of the card in your hand and do not throw it around to cause unnecessary trouble.

Reference material: CCTV - Credit card is not activated and needs to be canceled