If the credit card is not activated, there will be no annual fee.

A certain annual fee will not be generated until the credit card is activated. Of course, with the change of policy, the activated credit card can be used according to the regulations of the bank. For example, if you swipe your card several times a year, you can reduce the annual fee for the following year.

The biggest advantage of credit card is to use the bank's money to spend first and then repay. But in the process of using, we must learn to use it reasonably. Otherwise, it will be blacklisted in the credit information system.

Disadvantages of being blacklisted by banks:

1. The credit card cannot be used for five years;

2. You cannot apply for any form of loan within five years;

3. I can't buy train tickets and plane tickets, which brings inconvenience to travel.

Will there be an annual fee for inactive credit cards?

If the credit card is not activated, no annual fee will be incurred. The CBRC stipulates that credit cards cannot be recharged without the activation of the cardholder. However, the "Regulations" also stipulates that under special circumstances, cardholders are authorized to charge fees in written form, customer service telephone recording, electronic signature, and methods recognized by both cardholders and card-issuing banks, except for the creditor-debtor relationship formed when changing cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Do I have to pay an annual fee if the credit card is not activated?

You can't charge an annual fee without activation. Under normal circumstances, credit cards are not activated and there is no annual fee. The CBRC has long stipulated that as long as credit card applicants have not activated their credit cards, they are not allowed to collect annual fees, and banks are not allowed to open inactive credit cards for applicants without permission. Therefore, at present, there is no annual fee for general credit cards that are not activated. Generally speaking, the charge before credit card activation is related to the card type:

1. Credit cards are generally not activated and there is no charge. The standard card of Minsheng Bank's credit card and the common card and gold card of the co-branded card will not generate an annual fee if they are not activated, and will automatically expire after 3 years. If you choose not to activate when applying, it will be activated automatically, and an annual fee will be incurred, which needs attention.

2. High-level credit cards, if not activated, will be charged an annual fee. Some high-level credit cards, such as platinum cards and diamond cards, can only be issued after the cardholder has applied for and passed the examination. Then, no matter whether it is activated or not, a certain annual fee will be charged.

3. There may be a charge for special cards. Some credit cards with special materials and processes will also generate production costs when they are not activated, such as high-end cards or special cards such as mini cards and unlimited cards.

Applicant:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Application method:

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Don't credit cards activate annual fees?

Inactive credit cards generally do not charge an annual fee. However, there are several situations where other fees will be charged:

First of all, for DIY custom cards and some co-branded cards, "card face fee" or production fee may be charged for handling such cards. Once you choose this card, even if you don't open it all the time, you may still owe money to the bank.

2. Express delivery and express delivery are the ways to send cards. The default delivery method of credit card is registered mail, which is free.

Third, the old card will be replaced by a new one when it expires. For some banks, the annual fee policy is a continuation of the old card after its expiration.

Fourth, some credit cards with rigid annual fees and some high-end cards of banks, such as platinum cards and AE cards, all have to pay annual fees.

Is there an annual fee for not activating the credit card?

Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

China bank credit card does not activate the annual fee?

At present, Bank of China will not charge an annual fee for credit cards that are not activated after successful card processing, nor will it cancel them voluntarily. Please go through the activation procedures within the validity period of the credit card. If the activation business is not handled within the validity period, the card will be invalid.

The above contents are for your reference. Please refer to the actual business regulations.

Will there be an annual fee if the credit card is not activated? Will there be an annual fee if the credit card is not activated? This concludes the introduction of China Construction Bank. I wonder if you have found the information you need?