Although the annual fee will not be deducted in this case, there are great hidden dangers and it will also be included in the credit reporting system. It is best to cancel! Generally, when banks apply for credit cards, they give gifts or recommend gifts, which attracts many people to apply for the card, but they don’t want to use it, so they don’t activate it and leave it there. What impact does it have on us?

Although there is no deduction in this case. The annual fee, but there are huge hidden dangers, will also be included in the credit reporting system, so it’s best to cancel!

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Generally, banks give gifts or recommend gifts when applying for credit cards, which attracts many people to apply for the card, but if they don’t want to use it, they don’t activate it and put it there. What impact do we have? Let’s introduce it to you from these aspects:

First: Don’t worry, no fees will be deducted if it is not activated. The China Banking Regulatory Commission stipulates: "Banking financial institutions shall not deduct any fees before the cardholder activates the credit card, except where the cardholder authorizes the banking financial institution to deduct fees in a written customer service center phone recording or electronic signature."

Second: Unactivated credit cards also pose the risk of fraud. In a case uncovered in 2014, criminals used the Internet to purchase personal information, forged ID cards, activated credit cards by exploiting loopholes in bank customer service, and stole tens of thousands of yuan. Just because "dormant" credit cards are ignored by everyone, there are also great security risks.

Third: Unactivated credit cards will also be recorded in the cardholder’s personal credit system. Under such a premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. The bank will consider that the cardholder has integrity or lack of demand for applying for multiple credit cards but does not open the card, or will Reducing the credit card loan limit may even affect the success rate of credit card loan approval.

Fourth: There are very few cases where salespeople activate your account privately in order to complete performance. There is such a precedent, even if it is not your responsibility, it is still a troublesome matter.

So, everyone should not apply for a card easily. Even if it is not activated, just cancel it!