Generally, different banks have different automatic cancellation settings for different types of credit cards. Generally speaking, ordinary credit cards will be automatically canceled after one year, but gold cards, platinum cards and above will basically not be automatically canceled, but will only temporarily enter a "dormant" state. If you apply for a credit card above the gold level, not only will it not be canceled in a short period of time, but charges may also be incurred.

Although the China Banking Regulatory Commission has stipulated that no fees may be deducted from credit cards without activation by the cardholder. However, the regulations cannot cover all situations. The regulations also state that “under special circumstances, the cardholder shall authorize the deduction separately in writing, customer service phone recordings, electronic signatures, and in a manner mutually recognized by the cardholder and the card-issuing bank. Except for fees, and the creditor-debt relationship formed when replacing the card."

So when applying for a credit card, be sure to read the card acceptance agreement carefully, and consult the card issuer in a timely manner whether the credit card you have applied for has incurred fees or what fees will be incurred in the future. Especially for credit cards of gold level and above, you should pay more attention in time. If you really don’t want to use it, you should activate it and cancel it in time, so as not to affect your personal credit or life.

Extended information:

If an individual successfully applies for a credit card from a certain bank but is "inactive" for a long time, or even chooses to cancel the card during the "inactive" stage, then he or she can apply for that bank again in the future. When applying for a credit card, it is likely to be rejected because the previously applied credit card has not been activated and has been canceled. Unless you are a high-quality customer, your application can be successful.

Take China Merchants Bank’s credit card as an example. The level is gold card and the credit card is inactive. However, it may still appear when checking the personal central bank's credit report, so if you want to completely cancel this card, you need to go to the counter or go to the official website of China Merchants Bank to handle it

Reference: A man has applied for 8 credit cards in a year and has failed Activating the card without opening it does not mean that there is no charge - Xinhuanet