If the Industrial Bank credit card is not activated, it is best to cancel it.

Bank credit card account cancellation process:

1. Call the bank credit card service hotline, and the customer service staff will inform the customer of the credit card status;

2. Apply for processing 45 days after the account is closed, if the customer's credit card has no outstanding balance, the bank's customer service staff will close the credit card account;

3. If the credit card still has outstanding balances and needs to be repaid, it can be canceled;

4. If there is still a balance left, you can return it to a bank branch.

Recovery after cancellation of bank credit card:

1. The card can be recovered without closing the account. If the account is not closed, you can restore the card through customer service staff and check the card opening information as required.

2. If the card is canceled and the account is canceled, it cannot be restored. If the cardholder goes through the account cancellation procedures when canceling the card, the credit card recovery process will not be possible.