Even if it is not activated, there will be no annual fee for credit cards, and handling multiple credit cards will be recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the success rate of credit card loan approval will be reduced.
Therefore, don't blindly apply for cards for small gifts or because you can't stand the sales promotion of bank salesmen. You should handle the card according to your own needs. Choose the right credit card products and open them, and you can enjoy the convenience and preferential treatment brought by credit cards. If the card is not activated, it will only bring trouble to yourself.
Credit Card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 2065438+2007 1.