Not all credit cards are free of charge if they are not activated. Most credit cards are free of charge if they are not activated, but there are some special cards that are chargeable, so before applying for a credit card , be sure to understand clearly the charging standards first. If there is no annual fee, then it is okay not to activate it. Otherwise, you must go through the cancellation procedures when not using it.

Leaving aside the issue of annual fees, as long as you apply for a credit card, whether it is activated or not, there will be a record of the card in your credit report. If you apply for a bank card in the future, the credit card center will enter the system to query, so if you have an unactivated credit card under your name, it will inevitably affect the application and limit of the new card.

So, it is recommended that if you choose to apply for a credit card, then use it. Even if the limit is only 500, as long as you can consume rationally and maintain good repayment habits, there will always be an increase in the limit. One day, of course, if you really don’t want to use it, it’s best to go to the bank to cancel the card. Besides, the cancellation procedure is not troublesome. You only need to go to the bank with your ID card and bank card to cancel the mobile phone.