1. There will be some security problems, which may be stolen and cause economic losses.
2. There are some high-end credit cards. They will also charge an annual fee if the card is not activated. If the annual fee is generated but not activated, it will easily lead to overdue and affect personal credit information.
3. If the card is not activated, using the card record will also affect your personal credit information, and then applying for a credit card will have a certain impact on the audit.
It won't do you any harm if the CCB credit card is not activated.
If most credit cards of CCB are not activated, except for special cards such as diamond/platinum card, family credit card and digital dragon card, there is no annual fee. However, credit has a time limit. If it is not activated, it will not be renewed. So if you have already done it, consider using it. After all, credit cards are widely used now, and there are many preferential activities, which are more cost-effective than cash payment. When CCB Longka Credit Card is not activated, there is no need to pay the annual fee in the first year, and it will be charged in the second year. However, if you really don't want to use it, I suggest you call the bank's credit card center to cancel your card to avoid unnecessary trouble.
As long as your credit card account is not in arrears, you can use the landline of China Telecom or Netcom to dial the 24-hour domestic free service hotline 8008200588 of the credit card center to manually handle the card refund business. After verifying your personal information and account information, the customer service staff will go through the formalities of returning the card for you, and there is no handling fee for returning the card.
CCB's credit card cancellation process is as follows:
1. First of all, the cardholder should explain the reasons for canceling the card to the customer service and fill in the corresponding application form for canceling the credit card. Customer service can cancel the card after verifying the identity information of the cardholder. However, if the credit card has arrears, including annual fees and handling fees, you need to pay off the corresponding arrears before you can cancel the card.
2. At present, CCB credit card users can also directly call the CCB credit card hotline-transfer to credit card customer service), and directly apply to customer service for card cancellation after being connected. And provide your own relevant identity information so that customer service can check the information.