If the credit card is lost without activation, it depends on the situation. Most credit cards don't have an annual fee if they are not activated, but there are also a few credit cards with special materials and high-level credit cards, and they still charge an annual fee if they don't open the cards. Cardholders unconsciously owe the bank a sum of money first, and if they don't repay on time, they will be charged with interest and late fees.

most banks pay interest in full, and the interest will be very high. Of course, overdue repayment will also affect your personal credit record. With a bad record in the credit report, it will be difficult to apply for mortgage and car loan in the future. Therefore, this phenomenon of "dormant" credit cards not only wastes the resources of banks and increases the financial cost of cardholders, but also may leave bad credit records for cardholders and affect personal economic life.

Extended information:

How to deal with the loss of the credit card when it is not activated

1. Please contact the credit card center immediately to reissue the credit card:

2. Call the bank's electronic credit card center to inform that the credit card is lost;

3. When you go to a bank outlet to report the loss, the cost of reporting the loss of a credit card is about 5 yuan;

4. Just wait for the credit card center to reissue the new card after reporting the loss;

5. The new card needs to be activated before it can be used.

Reference: Credit Card-Baidu Encyclopedia