If you don't want to use the card after receiving it, you'd better cancel it voluntarily, because if you don't cancel the card, there may be the following consequences:
1. Relevant regulations indicate that gold cards and ordinary cards of credit cards do not charge annual fees when they are not activated, but some high-end series cards such as platinum cards will charge annual fees even if they are not activated. If the cardholder does not cancel the inactive credit card that will charge the annual fee, then not only the annual fee will be paid, but even the overdue behavior will occur because of the deduction of the annual fee;
2. Although the credit card is not activated, it will not affect the credit, but it may affect the pass rate and the amount of credit card approval in the future.
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First, the credit card cancellation:
You can cancel your credit card in the following ways:
1, phone card cancellation, many banks' credit cards can be cancelled by just making a phone call. Before canceling the credit card, make sure that there is no debt and no balance in the account, then call the credit card customer service to transfer to manual service and apply for canceling the credit card directly from the manual customer service.
2, outlets pin card. Some banks also need to bring their ID cards and credit cards to the bank to cancel their cards. They need to fill out an account cancellation application form and will call you to confirm it in a few days.
3. Going to the bank counter to cancel, just like going to the outlet to cancel the card, you need to bring the necessary documents, such as ID card and credit card. If the credit card is in arrears, you need to bring cash at the same time.