Will automatically deduct money. If the traffic credit card is not activated, it will be deducted, but it depends on the bank. If the traffic credit card is not activated, users can choose to activate it at bank outlets or channels such as mobile banking and online banking. Take Bank of Communications credit card as an example. After activation, just log in to Bank of Communications Credit Card official website, select "Card Activation" in the "Card Activation" menu, and enter the credit card number, reserved mobile phone number and SMS verification code to activate the card.