Credit will not be affected if you don't activate it, but you can't use a credit card without activating it.

Credit card application conditions:

1. At least 18 years old;

2. Hold a valid ID card;

3. No bad credit record;

4. Have a fixed work certificate;

5. Income certificate stamped with the financial seal of the unit;

6. Other financial proof, such as bank deposits, real estate, cars, stocks, bonds, etc.

7. Social endowment insurance certificate;

8. provide two contacts.

The first three conditions must be met, and 4-8 pieces of supporting materials should be provided as much as possible, which can specifically include the following information, and as much as possible selectively, so as to ensure the successful approval and increase the amount of information.