If the credit card is not activated, it will not be automatically canceled. If you want to cancel it, you can only actively apply to the bank.

If you do not want to use the card after receiving it, it is best to cancel it proactively, because failure to cancel the card may have the following consequences:

1. Relevant regulations indicate that credit cards, gold cards, and regular cards There is no annual fee if it is not activated, but some high-end series cards such as Platinum cards will charge an annual fee even if they are not activated. If the cardholder does not cancel the credit card that will also charge an annual fee if it is not activated, he will not only have to pay the annual fee, but may even be overdue due to the deducted annual fee;

2. Although the credit card has not been activated, It will not affect your credit, but it may have an impact on your future card application approval rate and card approval limit.

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1. Credit card cancellation:

You can cancel your credit card in the following ways:

1. Cancel the card by phone, many banks A credit card can be canceled with just a phone call. Before canceling the credit card, you must first confirm that there is no outstanding balance in the account, and there is no balance. Then call the credit card customer service number and transfer to manual service, and apply directly to the manual customer service to cancel the credit card.

2. Cancel the card at the outlet. Some banks also require you to bring your ID card and credit card to the bank to cancel the card. You need to fill out an account cancellation application and will call you to confirm a few days later.

3. Cancellation at the bank counter is the same as canceling a card at an outlet. You need to bring the necessary documents, such as ID card and credit card. If you owe money on the credit card, you need to bring cash at the same time.