first of all, even if the card is activated or not, it will be recorded in the central bank's credit report. If there is a record of handling the card, but there is no record of using it, it may be rejected to apply for a credit card in the future. Because the bank has tried its best to let you apply for a card, the purpose of working hard to help you review the card is to let you use it. If you don't use it, you will not only be unable to make money for the bank, but also lose the cost of the work in vain. Therefore, not activating the card or not using it after activation will affect the pass rate and quota of credit card application in the future.

second, there will be an annual fee for credit cards when they are not used. At present, most banks charge an annual fee after activating their credit cards. The annual fee is generally 5-2 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year. Therefore, even if the credit card is not used once, the annual fee will still be charged. When there is a balance in the card, it will be automatically deducted, and when there is no money in the card, it will be calculated as overdraft. If you can't pay off the annual fee in time in the following year, it will lead to overdue credit records, which will be recorded in your personal credit record. If you don't pay interest after the deadline, you will regret it when you finally find out that you have to pay back a sum of money even though you haven't brushed it once. If you don't swipe your card, you will have to pay the annual fee backwards, and there will even be a risk of overdue. This account is too uneconomical!

Third, you don't have to worry about being stolen and swiped for a long time! At present, many credit cards are open and secret-free by default, that is, "flash payment", and you don't need to enter a password to spend in 1 yuan. If you don't use it for a long time, it will be lost or stolen, and it will be stolen by criminals.

In addition, credit cards may be reduced or even blocked if they are not used for a long time. One day, when I was short of money, I remembered that I still had a credit card, only to find that I couldn't use it, which was embarrassing.

so, don't handle credit cards casually, just use them. Not only can you avoid the annual fee, but you can also accumulate a good credit record. If you really don't need it, you should cancel the card as soon as possible to avoid bringing more trouble to yourself.