After a credit card is activated, it will incur a certain annual fee even if it is not used. If the cardholder fails to repay on time, interest will be charged, and late repayment will affect the personal credit report. It is best if the credit card is not used. Cancel the card directly.

Extended information:

1. The impact of credit card activation is as follows:

1. Annual fees will be incurred. Except for credit cards that are free of annual fees within the validity period stipulated by the bank, ordinary credit cards generally charge annual fees, but the annual fee can be reduced based on the number of card swipes. Therefore, even if you activate the credit card and do not use it, this annual fee will still be incurred.

2. Impact on credit. If an annual fee is incurred after the credit card is activated, and the cardholder fails to repay the payment in time, it will result in overdue payment. There are many consequences of overdue payment, the most important of which is that it will affect the cardholder's credit.

3. Affect the quota increase. Many cardholders' credit card limits are too low and they are not used after activation. When banks see this, they will think that the cardholder does not need to use the credit card, and will not consider increasing the limit for the cardholder.

4. It affects the use of cards. Some banks will control credit cards that have not been used for a long time. For example, if there is no transaction record within 180 days from the date of activation of a China Construction Bank credit card, the card will be subject to transaction control. After control, the credit card cannot be used for consumption or cash withdrawal, and can only handle counter business.

2. Each credit card has an expiration date, which is usually 3 to 5 years after the card is issued.

The validity period is usually printed on the front of the card under the card number. There are four numbers separated by / in the middle. The front is the month, and the back represents the year, 10/19, which means that until October 2019 This card will become invalid at the end of the month.

If the cardholder does not open and use the card before the expiration date of the credit card, the credit card will become invalid.

Closing your credit card account is something you must do if you no longer intend to use your credit card. If you do not cancel your account, the bank will charge you the annual fee for your credit card.

As long as there is no overdraft on the card, you can apply for account cancellation at any time.

3. If the card has not expired, you need to apply first and go to the bank to cancel the account after a certain number of days; if the card has expired and the account balance is zero, you can go directly to the designated bank outlet Complete account cancellation procedures. When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal (in person) and bring the original valid identity document to handle the account cancellation business.

4. When canceling a credit card account, if your card has not expired, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then come back to handle the formal cancellation after a certain period of time (up to 30 days). Account procedures. This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be able to clear the account normally. ; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.