Current location - Trademark Inquiry Complete Network - Overdue credit card - Are there any fees for inactive credit cards? Do you know these effects?
Are there any fees for inactive credit cards? Do you know these effects?
There are a lot of people applying for credit cards now, but not everyone has the need to use the card. For example, some people follow the trend and apply for a card and find that they can’t use it, so they leave the credit card idle. You need to pay attention to this. There will be fees for leaving your credit card idle, but it mainly depends on the type of credit card. Let’s take a look.

Are there any fees for inactive credit cards? Credit cards all have annual fees, but some card types can enjoy annual fee discounts, while others must be charged, namely non-annual fee cards and annual fee cards. Among them, non-annual fee cards refer to the ordinary credit cards that everyone applies for, such as the regular card gold card. This type of credit card does not charge a fee if it is not activated. After activation, the annual fee can basically be reduced by the number of card swipes. For this reason, if such an idle credit card has not been activated, there is no need to worry about fees. If it has been activated, it depends on whether it has been used enough times to waive the annual fee before it is idle. If it is not used enough, the annual fee will be deducted directly from the bank. Annual fee cards usually deduct fees if the card is verified successfully, even if the card is used every month, let alone idle, and the fees are at least hundreds, and may also be thousands or tens of thousands. However, compared with the fees, this type of The benefits of a credit card are still very valuable, and you still have the opportunity to earn back as long as you use the card, but there is nothing you can do if it is not used.

Other effects of leaving your credit card idle! In addition to possible fees, idle credit cards will also have other impacts. One is that there will be security risks. Many credit cards are quick-pass cards, which are enabled for small-amount password-free services by default. If someone picks it up, it may be stolen; One is a credit card that has not had any transactions for more than 180 days. Some banks will control the transactions. When you want to use it, you find that you cannot use it. In short, if you have an idle credit card, it is best to check if there is any need to use the card. It is really useless. If the credit card has no overdue record, it is best to cancel it. In this way, you don’t have to worry about fees and various charges. It's a risk.