As long as you have a credit card, even if it is not activated, 100% of the information on this card will be recorded in your credit report in detail. So there are too many inactive credit cards, which will affect personal credit history, so the card is not going to be used, so it is best to cancel the account.

From the perspective of protecting personal information security, if you really don't want to use a credit card, you'd better cancel your account. In this way, even if you want to continue to apply for credit cards in this bank in the future, the bank can open accounts and apply for cards according to the standards and preferences of "new customers".

Extended data:

If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.

When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).

This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.

Phoenix. Com- more dangerous than returning the wrong card is that you have returned an inactive credit card!

Baidu encyclopedia-account cancellation