If the credit card is not activated, it cannot be used, and generally there will be no annual fee.

Even if there are no credit card annual fees and other fees without activation, multiple credit cards will still be recorded in the cardholder's personal credit system. Under such a premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. The bank will consider that the cardholder has integrity or lack of demand for applying for multiple credit cards but does not open the card, or will Reduce the approval rate for credit card loans.

So, don’t blindly apply for a card just for small gifts or because you can’t stand the bank clerk’s sales. You should apply for a card based on your own needs. Choose the applicable credit card product and open the card to enjoy the convenience of the credit card. and offers. Applying for a card without activating it will only cause trouble for yourself.

Credit Card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card to make purchases, and repayment will be made on the billing date (English: Billing Date) .

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.