There is no interest if the credit card is not used, but if the credit card is not used after activation, an annual fee will be paid.

If the credit card is not used for a long time and there is no consumption record, the bank will re-evaluate the credit card and reduce the credit card limit; And if the credit card is not used for a long time and there is no credit card cancellation or loss reporting, the bank will automatically deduct the annual credit card fee; In the credit report, there are detailed records about the credit card, such as whether the credit card is activated or overdue. If the annual fee of the credit card is deducted, but it is not paid off in time, it will affect the user's credit record, and then affect the user's future loan and credit card application.