Not available. According to Caiti.com, if you apply for a CITIC credit card and it is not activated, the most direct impact is that you cannot use it, purchase items, apply for installments or withdraw cash. If it is not activated, applying for a CITIC credit card again will be rejected. All credit card records processed by users can be checked from the credit report, so there is no need to apply if you don’t use a credit card.