With the increasing demand for credit cards, there are more and more types of credit cards issued by banks. Many friends will apply for credit cards because the bank handles card gifts or helps their friends. After getting off the cards, they find that they don't seem to need them at ordinary times, so they simply don't activate them. What will happen if the credit cards are not activated?

Deactivation of credit cards will have the following adverse effects:

1. Inactive credit cards may also generate annual fees.

Although the CBRC stipulates that the bank may not charge the cardholder an annual fee if the credit card is not activated, this is only for ordinary credit cards. If the cardholder handles a high-level credit card or a customized card, such credit cards will generate an annual fee even if the cardholder does not activate the credit card, due to the high cost of card making.

if the cardholder does not pay attention, it may be overdue due to the annual fee. Once the credit card is overdue, it will not only generate overdue interest, but also adversely affect personal credit.

2. It affects the cardholder to apply for a credit card again.

when a customer applies to the bank for a credit card, the bank will refer to the applicant's current credit card information, and the inactive credit card will also account for the credit line. If the applicant currently holds more credit cards and the total credit line is higher, the current debt ratio will be higher, which may affect the later application for a credit card.

3. Inactive credit cards will also be reflected in the personal credit report, which will record all our credit cards, including inactive credit cards. If there are many inactive credit cards in the personal credit report, the bank may think that the applicant does not really need to apply for a card when applying for a credit card again, which will lead to the rejection of the user's card application.

From the above, it can be seen that not activating a credit card after handling it has certain negative effects. Therefore, it is suggested that you should handle it according to your own needs when applying for a credit card at ordinary times, and don't blindly apply for a credit card. Here, I remind you that the more credit cards, the better. Usually, it is enough for one person to have about three credit cards. If there are too many, it is not conducive to management.