The main aspects that affect personal credit information are overdue repayment of credit cards, malicious overdraft of credit cards, illegal cashing of credit cards, illegal use of cards and so on. So far, there is no "sleep card" that will affect personal credit reporting, but the security risk of credit cards that are not used for a long time will increase, because for sleep card, cardholders are likely to lose their cards due to negligence in management. Once the card is lost, it is very likely that criminals will steal the card information, forge a fake card and steal it.
In addition, sleep card just entered a "dormant" state, and has not been cancelled. Credit cards that have not been used for a long time will also be charged an annual fee because they do not meet the annual fee-free rule. If someone around you takes an ID card and goes to the bank to activate it, you can continue to use it. It is very likely that the card has been maxed out, and the cardholder does not know.
I suggest:
After the credit card is opened, try to keep a certain frequency of swiping. On the one hand, you can exchange your daily consumption points for gifts, on the other hand, you can "raise cards" so that you can raise the amount in the future. If the credit card cannot meet the needs of the cardholder, it is suggested that the cardholder can directly call the bank to cancel the card after not using it for a long time. It is best to cut the card after success to prevent it from being used by others after it is lost!