The process is slightly different for canceling an inactive credit card. First of all, if the card has not expired, you need to submit a written application and go to the bank in person or entrust someone to cancel the account after a certain period of time. If the card has expired and the account balance is zero, you can go directly to a bank branch to cancel the account, but you also need to bring your ID and card.

During the application process, if you are unable to be present in person, you can have an authorized agent handle the application on your behalf. They need to bring your power of attorney and the agent's valid ID. It is worth noting that even if a credit card is not activated, its related information, including approval time, currency and initial limit, will still appear on an individual's credit report.

This means that inactive credit cards can have an impact on your credit score even if they are not used. Because banks or credit institutions will take these inactive credit card records into account when reviewing your credit application. The worst possible outcome is that your credit application is denied or your loan limit is reduced. Therefore, if you have multiple inactive credit cards, they may affect your credit history, so proceed with caution.