Credit card "dormant" may cause bad credit. When handling credit cards, you should understand the regulations of the relevant banks on inactive cards, and cancel the unnecessary credit cards in time, so as not to damage your personal credit unconsciously.

each bank has different charging standards and management regulations for inactive credit cards. Some stipulate that no annual fee is charged for inactive credit cards, while others stipulate that no annual fee is charged for inactive credit cards in the first year. Most banks stipulate that inactive credit cards will charge annual fees from the second year. The expenses incurred by the inactive credit card will be recorded in the user's account in the form of arrears. If the cardholder is in arrears for a long time, he will not only have to pay the penalty interest and late payment fee, but also leave a negative credit record.

once the credit record is stained, it will affect individuals' mortgage, car loan, credit card application and other businesses. Therefore, citizens are reminded not to apply for unnecessary credit cards. When bidding, they must read the bank contract clearly and pay the annual fee as agreed.