it will affect personal credit information.

the information of the inactive credit card will be recorded in the credit report as "the card has not been activated". Then, with such a credit record, if there are any credit applications in the future, banks or other financial institutions will evaluate such records to consider whether to approve them for you. If you have more than one record of "the card has not been activated", then your credit application is likely to be rejected.

under normal circumstances, the bank will comprehensively consider the credit line for you according to the total amount of all your credit card lines. Once you handle too many credit cards, although they are not activated, they will also account for part of the total credit. Then, when applying for the bank's credit card in the future, it will either be rejected or the amount is very low.

for those users who have applied for a card but have not activated it for a long time, many banks will also cancel the card directly. And for these customers, the major banks will naturally not get used to it, and directly add them to their own "internal blacklist of banks". Although it has no impact on personal reputation, if there is a similar situation, it is basically impossible for this user to apply for a credit card of this bank again.