Whether a credit card affects your personal credit score depends on the card type and bank regulations. For regular and gold cards, if they are not activated, there will usually be no annual fee and no impact on your credit history. However, the situation with platinum cards is different. Some banks, such as Industrial Bank’s platinum airline cards, will incur annual fees even if they are not activated, leading to overdue payments and possibly affecting your credit report. The strategy of redeeming points for annual fees requires cardholders to have consumption records, so unactivated platinum cards may have overdue records due to non-payment of annual fees.

After a credit card application is successful, even if it is not activated, it will be displayed in the personal credit report. Even if no credit problems arise, too many "inactive" records may have an adverse impact on the credit application, indicating that the bank You may not think you have enough demand for a loan. It is worth noting that different banks handle different levels of cards differently, and some may not be automatically canceled, especially platinum cards and gold cards. Long-term inactivity or even cancellation of the card may affect the bank's success rate of card application in the future. The bank may consider this a waste of credit and reject the application.

Finally, inactive credit cards may also incur additional fees, especially the annual fee for the Platinum card. Personal privacy security also needs to be considered. There have been cases where credit cards were stolen before they were activated. Therefore, it is recommended to handle inactive credit cards with caution to avoid giving others the opportunity to take advantage of them. Before applying for a card, it is best to understand the bank's specific regulations and fees to protect personal information and credit history.

In general, when applying for a card, you should choose based on actual needs and treat credit cards rationally to avoid unnecessary credit impacts and security risks.