As long as you have a credit card, whether it is activated or not, it will be reflected in the personal credit information system. When you apply for a credit card in the future, the bank will make an inquiry. Too many inactive credit cards will affect the approval of new cards.

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Inactive credit cards may also be charged.

For credit cards, there is no annual fee for inactive ordinary credit cards. However, if it is a special kind of card such as a platinum card, it does not rule out that as long as it is not activated and does not sign a contract, it will be charged, either as a production fee or an annual fee, and the annual fee of a platinum card is much higher than that of an ordinary credit card, often exceeding 1000 yuan/year. Therefore, the professionals of Hebei UnionPay specially remind cardholders that if you have a platinum credit card in your hand, you must consult the customer service to collect the annual fee, so as to avoid the inactive fees being deducted and forming a bad record.

Even if the activated credit card is "sleeping", the annual fee is an unavoidable hurdle. According to the reporter's investigation, in order to attract cardholders, most banks will offer annual fee-free concessions for the first year. Moreover, if the credit card consumption reaches a certain number of times or amount, the annual fee can be exempted in the following year. However, it is the abandonment of these additional conditions that makes many cardholders careless and put the activated cards aside. If the number of swipes or the amount required by the bank are not met, the annual fee will be deducted in the second year.

Phoenix. com-After the credit card is activated, the annual fee will still be deducted. Be careful of the "sleep card" charges.

He Xun. Unused credit cards must be cancelled! Otherwise, you will be in big trouble.