Hello everyone!
20 10 I graduated with a master's degree in finance and worked in a bank. Many of my colleagues' families also work in banks. At the same time, many of my classmates also work in the banking industry. In other words, bankers account for a considerable proportion in my circle of friends. As a result, I applied for credit cards from several banks because I often had to help my friends complete their tasks.
In my opinion, if you don't want to use a credit card that hasn't been activated, you don't have to cancel it, just cut it with scissors. There are three reasons:
First, it is the simplest and most labor-saving. Second, it's safe. Third, this will not affect the credit limit of the new credit card.
The above is a screenshot of my personal credit report. As you can see, I have four inactive credit cards, all of which are displayed as "Inactive". Among them, the credit line granted to me by China CITIC Bank on 20 17 is 50,000. By 20 18, the credit line approved by China Postal Savings Bank was also 50,000, and my credit line was not reduced because I had an "inactive" credit card.
Facts have proved that inactive credit cards will not affect the credit limit of new credit cards.
To sum up, inactive credit cards do not need to be cancelled. If you don't want to use it, cut it with scissors. This is simple, labor-saving and safe, and it will not affect the credit limit of the new credit card.
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It is very common to apply for a credit card now. Many friends will apply for credit cards everywhere if they have nothing to do. Some people apply for more credit cards, while others help their relatives and friends who work in banks to complete their tasks.
But after many people apply for credit cards, most of them are not activated. Many friends may have questions about these inactive credit cards. Since these credit cards are not activated, should they be cancelled? What will happen if you don't cancel, and so on.
As for whether the credit card is not activated after application, I think it depends on the specific situation, because the influence of different credit card types is different.
For ordinary credit cards, it can be activated or not.
According to the relevant regulatory policies of the central bank, without an activated credit card, banks cannot charge any fees, including annual fees, credit card fees, SMS notification fees and so on.
So in general, even if you apply for a credit card and don't cancel it, it won't matter. It's just that when you check the credit record, there will be information in the credit card column showing inactive credit cards.
Generally speaking, these inactive credit cards have no effect on everyone. No matter whether you apply for a loan or a credit card, banks will hardly look at these inactive credit cards.
However, if you have many inactive credit cards, it may be affected when other banks apply for new credit cards or banks approve credit card withdrawals. After all, the main purpose of the bank to issue credit cards to everyone is to hope that everyone can use them more. Only when everyone uses the bank can they make money. If after the credit card application, everyone can't make money without using the bank for a long time, then the bank will not take the initiative to issue new credit cards to everyone.
So if you have many inactive credit cards, such as more than three, I suggest you cancel these inactive credit cards at the bank in time to avoid being affected when handling some things.
Secondly, if you apply for some special credit cards, even if they are not activated, they will be greatly affected.
At present, there are many kinds of bank credit cards, including gold card, platinum card, diamond card and so on. Ordinary gold cards are not activated and there is no charge.
But some banks charge an annual fee even if they don't activate, especially those high-end diamond cards. Basically, most banks charge an annual fee, ranging from several hundred dollars to several thousand dollars.
If you apply for this kind of high-end diamond card or platinum card, once you apply, it means that there will be a fee immediately, and there will be an annual fee whether you activate it or not. These annual fees are rigid and must be paid regardless of whether they are used or not. Therefore, you should be extra careful with these credit cards. If you don't use it, you must go to the bank to cancel it in time. Otherwise, if you forget them, you may have an annual fee. Moreover, after the annual fee is generated, if it is not paid in time, it may lead to overdue and affect your credit history.
Although many banks can make an exception for this case of overdue annual fees, they can carry out credit repair after users complain, but after all, credit repair takes some time. If you are in a hurry to apply for a loan or do other things at some time, it will be too late.
So I suggest that if you really don't want to use an inactive credit card, cancel it as soon as possible to avoid some unnecessary trouble.
If you have decided not to use this credit card, remember to cancel it and don't keep it.
The credit card is not activated. If it is an ordinary card, it will not generate an annual fee normally. Although there is no annual fee, if you don't want to use it anymore, I suggest you cancel it. The reason for this is the following：
First, if it is not cancelled, this card will exist in the credit record. This is the difference between a credit card and a savings card. Whether you need it or not, it is also in the credit record. Moreover, a useless card normally occupies your credit limit, and your application for another bank's credit card will also be affected in the future.
Second, if you don't cancel, you have to take care of it. You must take care of these cards. Don't lose it, and don't let anyone know. There are always risks. Moreover, if one day it is forgotten, it will not remind of its existence, and it is not good to have a credit report all the time.
Third, it is not troublesome to cancel the card. It is very simple to return the card now, just call the bank customer service. Although the bank doesn't want to cancel the card when it is useless, it will blind the cost of a card, but it won't force you to keep it. Some bank customers let it be sold without even asking the reason, and everything is handled according to the customer's instructions, saving time and effort.
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Now is the era of credit, and I am embarrassed to say that people in 2 1 century don't have one or two credit cards. It is precisely because credit cards have become very common that everyone is very interested in the knowledge of credit cards. Among them, everyone is most concerned about the issue of opening a credit card, but it has not been activated. Do you still need to cancel this credit card at the bank?
In fact, for people who have already opened a credit card but have not activated it, the credit card in this case depends on two situations. It is not a big problem for ordinary credit cards not to be activated or cancelled, but it has a great influence on themselves if special credit cards are not activated. Even if they are not used, they should be cancelled.
Ordinary credit card
In fact, credit cards opened by ordinary people in banks generally belong to ordinary credit cards. After the credit card is opened, if you want to use it normally, you need to activate it yourself to use it normally. Inactive credit cards are a kind of invalid cards and cannot be used by credit cards.
Ordinary credit cards can only be free after activation, and once activated, an annual fee will be generated. Even if you don't use this credit card, you need to pay for it free of charge. But most banks stipulate that if you want to avoid the annual fee, you must swipe your credit card six times a year.
Judging from the bank regulations, the ordinary credit card is not activated and opened, which has no influence on itself. Whether to cancel the bill is not a big problem and basically has no influence. After the ordinary credit card is activated, you can either use it or pay the annual fee honestly every year. After activation, you will have to bear the cost. It is recommended that the activated credit card must be cancelled if it is not used.
Special credit card
Special credit cards actually refer to those credit cards opened by rich people. These credit cards have some special rights. Similar to debit card, it is divided into ordinary card, gold card, platinum card and diamond card. Different cards have different identities, and opening these special cards requires certain requirements.
Special credit cards generally refer to gold cards and above, similar to platinum cards and diamond cards. These special credit cards will inevitably generate fees. Even if you don't use them, these special credit cards will generate annual fees. As for the annual fee, the annual fee for platinum card and diamond card is different.
Since the special credit card is not activated, it will naturally generate an annual fee, and this annual fee is the money belonging to the loan and personal credit. Since it is credit money, it will definitely generate interest.
If this special credit card is not activated, an annual fee will be incurred. If it is determined that it will not be used, it must be cancelled. There is no need to pay this annual fee. This annual fee bears interest, that is, the mode of rolling interest. If you forget to repay, the amount will increase. Cancellation is the best way.
What is the impact of not canceling an inactive credit card?
There are two kinds of inactive credit cards, ordinary credit cards and special credit cards.
Ordinary credit cards are invalid if they are not activated, and there will be no charge. Moreover, there is no record of such credit cards in personal credit information, so it is not a big problem whether inactive ordinary credit cards are cancelled or not, which has no impact on their credit business.
Special credit cards, such as Platinum Credit Card and Diamond Credit Card, have a fixed annual fee. This annual fee means that no matter whether you activate or not, once the annual fee bill appears, the cost of your special credit card will be found in the credit information system and the situation of your special credit card will be recorded.
If you don't activate your special credit card and cancel it, no matter whether you ask or not, your personal credit information will definitely be defiled, and there will be a record of overdue repayment, which will have a great impact on your future credit business.
Therefore, the special credit card must be cancelled or not opened. If you open it, you should use it and repay it on time. Only in this way can things be done best. Only timely repayment can guarantee your personal credit and ensure that the personal credit information system is spotless.
comprehensive analysis
In short, credit cards are overdraft consumption, so don't open credit cards, just use them. If you don't use a credit card, you'd better cancel it. Don't think that helping a friend complete the task will be fine if you open a lot of credit cards and don't activate them. Don't wait until you handle the credit business, it's too late. I hope everyone can fully understand the knowledge of credit cards and use them reasonably and legally.
This situation:
1. If you apply for a card, you don't have to deduct the annual fee and there is no cost. Most of them can stay.
2. Cards that deduct the annual fee when you get off the card, such as some platinum cards of Xingye, must be opened, otherwise the annual fee will be deducted and it will be overdue.
3. The card with card face fee should be activated after the card is issued, or call customer service to communicate the repayment method, otherwise it will be overdue for you.
4. Minsheng's card will not be opened after it is issued, and the credit line is 1 yuan. Even if you want to cancel your card, you have to open it, otherwise it will be ugly to receive credit in the future (there is a card line 1 yuan, which is annoying to look at. )
In today's society, most young and middle-aged friends don't feel the need to stop using credit cards because the quota is too low or because they have preferential treatment when applying for credit cards. Will these inactive credit cards have any adverse effects on us? The answer will certainly affect. Let me tidy up for you.
1) is not activated, and an annual fee may be charged. Although the CBRC stipulates that the annual fee shall not be charged in any way before the credit card is activated, it is only for ordinary cards and gold cards, not for platinum cards. At the time of acceptance, there will be instructions on the presentation page, which need to be signed to confirm that you know the relevant matters.
The annual fee generated by the deactivation of Platinum Credit Card will be credited to the cardholder's account in the form of credit card arrears. If you can't repay on time, your personal credit may be affected. Therefore, if your credit card belongs to platinum card and you don't intend to use it, you must cancel it.
2) Risk of brush theft. In the cash society, criminals have hidden means and many ways, personal information on the Internet is flooding, the industrial chain is very mature, and credit cards are not activated. Once criminals know you, they may steal your mobile phone number, ID card and other information through sales channels and activate credit card theft. And this bank will not compensate, because personal reasons have not been activated, resulting in poor custody, requiring personal responsibility. The reason is that non-use should be cancelled.
3) Cancellation is actually very simple. However, before activation, you can call the official customer service number (not all banks), or you can bring your valid certificate and credit card to the bank counter to cancel your account and spend some time doing business in exchange for peace of mind. Why not?
In today's society, applying for a credit card has become a very common thing. Many people have as few as 35 credit cards and as many as 20 or 30. However, many people have not activated their credit cards after applying for them. So do these inactive credit cards need to be cancelled at the bank?
Ordinary credit card
If it is an ordinary credit card, it doesn't matter if it is not activated or cancelled, because this card will not generate an annual fee if it is not activated, and the validity period of the credit card is generally 5 years. If your credit card is used normally, the bank will take the initiative to issue you a new card before the expiration of the validity period; But if your credit card is not activated, the bank will not issue you a new card, so your inactive credit card will automatically expire after it expires.
Special types of credit cards
What is a special type of credit card, such as a platinum credit card with a rigid annual fee? For this kind of credit card, no matter whether you activate it or not, as long as the bank issues the card, there will be an annual fee, so even if it is not activated, you must pay this annual fee. If you don't pay in time, there will be overdue and late fees, which will affect your personal credit information. Therefore, for special types of credit cards, if you don't want to pay the annual fee all the time, you should apply for cancellation after paying the fee in the first year, so that the annual fee will not be generated in the second year.
abstract
There is no need to apply for too many credit cards. For most people, I think three credit cards are enough. If the extra credit card is lost, it will be troublesome and may even lead to theft. In addition, if you are not a business person or a rich second generation, you can apply for an ordinary credit card instead of a special credit card, because many special rights are basically not used by ordinary people.
Inactive credit cards do not need to be cancelled in principle, but they should be considered from the following aspects:
1. The first aspect is that you need to make sure that your inactive credit card will generate an annual fee if it is not activated. If so, you must cancel. If not, you can ignore him.
2. The second card is a credit card that you haven't activated yet. It can be found in your credit report. It can be seen that you have such a credit card account and it is not activated. This will not affect the credit granted to you by other banks. It doesn't really matter.
3. In addition, if the time is long enough, such as a credit card that has not been activated for more than five or six years, the bank may empty it at one time, so that you can't see the status of this inactive credit card at the top and back of your credit report.
In short, as long as you confirm that this credit card is not activated and no annual fee is generated, there is no need to cancel it. If there is a charge, it must be cancelled.
The above are only personal opinions for reference!
First of all, you have to distinguish what cards you have.
Kimpka
If you have a gold card, you don't have to cancel the inactive credit card.
If this credit card is not activated, it will have no effect, that is, it can't be spent.
Therefore, cards that are not activated do not need to be cancelled, and no fees will be incurred.
Platinum card or above high-end card
This card, whether activated or not, will charge related fees. So if you think you won't need it in the future, you might as well cancel your card. Many banks cancel their credit cards without going to bank outlets, and it is no problem to cancel them directly by phone.
First of all, you have to distinguish which card it is.
First: Kimpka
Inactive credit cards do not need to be cancelled.
If the credit card is not activated, it has no effect, that is, it cannot be consumed.
Therefore, inactive credit cards do not need to be cancelled, and no fees will be incurred.
Second: high-end cards above platinum.
This card, whether activated or not, will be charged. So if you don't use it, you have to cancel the card. If many banks cancel their credit cards, they can cancel them by phone without going to bank outlets.
How to deal with the cancellation of credit cards,
If the card is no longer needed, please destroy it completely. You can use fire, sulfuric acid corrosion, scissors or all other methods to torture your credit card into pieces. The key point is to destroy the magnetic stripe and chip of the credit card, so that others can't extract information, which is the safest.
Some banking experts pointed out that credit cards are products with overdraft function, so the information management of credit cards is very strict. Everyone's credit card related information will be backed up in PBOC, even if the credit card is cancelled, this information will not be deleted.
Experts said that as long as the applicant's credit card is approved, all the information of this credit card will be stored in the bank, and a record will also be generated in the credit report. The cancelled card will retain a lot of information of the cardholder, and people with ulterior motives can extract it through some technologies, which will still cause security problems.
Therefore, if you want to collect or keep your credit card as a souvenir after cancellation, please keep it properly and don't leave it casually.
1. How do I cancel my credit card?
Credit card cancellation is simple. You can call the 24-hour customer service phone on the back of the credit card and ask the customer service to cancel the credit card. Customer service will handle it for you after verifying your identity. Or bring your credit card and ID card directly to the bank outlet counter for the bank staff to cancel.
Two things must be done before cancellation. The first is to ensure that credit cards have no arrears and overpayments. If there is any arrears, all the arrears can be returned. If there is overpayment, it can be withdrawn by cash withdrawal or credit card. Secondly, use up the points in the credit card to avoid wasting the accumulated points. You can exchange points for gifts in the credit card mall or give them to others.
Second, does credit card cancellation affect credit?
Credit records will be generated during the use of credit cards, but whether the cancellation of credit cards will affect credit depends on the situation.
If you don't use your card illegally, repay it on time after consumption, and cancel your card without any debt and balance, it won't affect your credit, but if you just cancel your card, your cancelled credit card will be recorded in the credit information department; If your credit card is overdue and you cancel it after paying the arrears, this bad credit record will accompany you for life. In this case, it is recommended to continue to use the card, swipe the card frequently and spend more. After two years, when the new credit record covers the bad credit record, you can cancel the card.
Third, can the credit card be restored after cancellation?
There are two kinds of credit card cancellation: cancellation and card cancellation. If you only cancel the card and don't cancel the account, you can restore the cancelled card.
You go to the bank counter and ask the customer service to restore the credit card, and provide your ID card and some information registered when opening the card for verification. After confirmation, the staff will handle the credit card reactivation formalities for you in time. Generally, it can be restored on the same day, but your credit card is still ahead of schedule and has not been cut or destroyed.
4. How long can I reapply after the credit card is cancelled?
If you cancel a bank's credit card and want to re-apply, or cancel your old card and want to apply for another card, there is generally no time limit. Anyway, you can apply at any time as long as you are sure that your credit card has been successfully cancelled and there is no bad credit record, but Bian Xiao suggested that you apply again at intervals of more than half a year.
How to deal with expired credit cards?
Apply to the bank for card replacement or cancellation.
1. Cardholders can apply for a new card from the bank if they want to continue using it. If the card type used by the cardholder is still issued in the bank, mail a card of the same type as the old card; If the card bank stops issuing cards, it will negotiate with the cardholder and mail a similar card.
After the cardholder gets the card, it is reactivated, and the original rights and quota of the card remain unchanged.
If the cardholder needs a higher limit, he can apply to the issuing bank when changing the card, and the issuing bank will decide whether to increase the limit according to the previous records and credit information.
2. If the cardholder doesn't want to continue to use it, please be sure to apply for cancellation. Although the card has expired, the cardholder's credit account is still there, and the contract between the cardholder and the bank is still there, so the annual fee due for the credit card will still be generated as usual;
If not used or cancelled, the credit card may be overdrawn quietly, resulting in the bad record of the cardholder.
3. If the cardholder has not decided whether to continue using it, he can call the customer service hotline to inform the issuing bank. The issuing bank will retain the card right for a certain period of time, and then apply to the issuing bank for card replacement when the cardholder needs to continue to use it in the future.
Extended information:
1. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the account date.
2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
3.202 1 year 1 month 1 day, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 5‰ of the daily interest rate and the lower limit is 0.7 times of the daily interest rate of 5‰).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Is it risky to cut the credit card into pieces, cut the magnetic stripe and throw the chip into the trash can after successful account cancellation?
There are risks. After successful account cancellation, the credit card will not take effect immediately without user information, but it will take about 45 days to take effect. You can't throw it away. Investment is risky, please make a careful decision.
When my bank card is not used, I cut it open with scissors and throw it away. What's the difference?
That's all right, but you can't use this card. If you find that this card is rich, you can use your ID card to report the loss to the bank and reapply, and then you can withdraw money from the card.
However, it is suggested that if the card is not used, there will be no complicated additional business such as fund management, insurance and stock gold. In the card, you can only cancel it at the counter, which is very simple and convenient.
There are two kinds of bank cards: debit cards (savings cards) and credit cards (credit cards).
1. savings card. If the savings card is not used for a long time, the bank will take the initiative to clean it. How long has it been? Different banks have different rules. Some bank savings cards will not be liquidated if they are not used for two years, and some bank savings cards will be liquidated after five years. In other words, if you don't need a savings card and are too lazy to cancel it at the bank, wait for the bank to cancel it. Some people may worry that if the card has no money and is not cancelled, will it affect the credit information because the account management is not in place and the annual fee is owed to the bank? First of all, the savings card has nothing to do with credit reporting. Secondly, the National Development and Reform Commission and the China Banking Regulatory Commission require that from August this year, commercial banks should take the initiative to waive account management fees and annual fees for the only accounts opened by customers in banks. If you only have a bank savings card, you don't have to worry about small account management fees and annual fees. Even if several savings cards have been opened in a bank, these savings cards will not be used. After the bank cancels these cards, it will not affect personal credit information. Therefore, unused debit cards can be cancelled in no hurry. However, we must ensure the security of bank cards, and do not dispose of them at will to prevent them from being stolen.
2. Credit card. Credit cards are related to personal credit information. You must cancel it! At present, many credit cards are required to be swiped several times a year, free of annual fees. If you don't use it for a long time, you must pay an annual fee. If they can't repay the annual fee on time, they will have a bad record. The overdue records generated by general personal credit cards are reported to the central bank's credit information center database by the issuing bank, and the bad record data is retained for 5 years. If the credit card is cancelled, you can call the bank customer service directly! So credit cards that have not been used for a long time must be cancelled!
This concludes the introduction of credit card scissors. I wonder if you found the information you need from it?