1. Annual fee may be generated: when the old card is replaced with a new card, the annual fee cycle will be recalculated. If it is an ordinary card or a gold card, there will be no annual fee if you don't open the card, but if it is a high-end card such as a platinum card, you will still have to deduct the annual fee if you don't open the card. In addition, in addition to the annual fee, some special technology cards will also charge a business card printing fee, which is also directly deducted from the credit card.

2. It may affect the credit information: on the one hand, it refers to overdue, and there are several cases of overdue. One is that the credit card generates annual fee or business card printing fee, and it is overdue if the new card cannot be repaid without activation; On the other hand, regardless of whether the credit card is activated or not, the card information will be displayed in the personal credit information, and the words "Card not activated" will be displayed at the same time. If there are too many inactive records, it will also affect the credit investigation.

3. It may be cancelled: although credit cards can only be activated within the validity period, there are always exceptions. According to many card friends, the new card will not be activated for more than 3 months, and the bank staff will call to understand the situation. If you say that it is unnecessary to use the card and there is no debt on the credit card, the bank will automatically cancel your card.