It is ok to use a credit card, but it is not recommended for cardholders to do so. This is because many high-end credit cards will generate annual fees if they are not activated. If the annual fee is not timely, it will be overdue, which will have an impact on personal credit information. At the same time, when you apply for a credit card, it will be recorded in the credit report. If you don't use it many times after applying for a credit card, the bank will have a bad impression on such users.