Although this situation does not deduct the annual fee, it has great hidden dangers and will be included in the credit information system. Better cancel!
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Generally, credit cards that banks send gifts or recommend gifts attract many people to apply for cards, but they don't want to use them, so they are not activated and put them there. What's the impact on us? Let me introduce you to several aspects:
First: don't worry, there is no charge for not activating. The China Banking Regulatory Commission stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by means of telephone recording or written electronic signature of the customer service center."
Second, there is a hidden danger that inactive credit cards are stolen. In a case uncovered on 20 14, criminals used the Internet to buy personal information, forged identity cards, activated credit cards by taking advantage of loopholes in bank customer service, and stole tens of thousands of yuan. It is precisely because "dormant" credit cards are ignored by everyone that there are also great security risks.
Third: inactive credit cards will also be recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the credit card loan amount will be reduced and even the success rate of credit card loan approval will be affected.
Fourth: in order to complete the performance, the salesman rarely activates you privately. There is such a precedent, even if it is not your responsibility, it is also a trouble.
So don't get a card easily, even if it is not activated, you can cancel it!