Because most credit cards are not activated, there are no handling fees and annual fees, but some special cards need attention, such as platinum cards and customized cards of some banks, which may cause overdue debts.

If the cardholder does not activate the card after receiving it, it will be reflected in the personal credit report, but this record is not a bad record.

It is suggested that cardholders open their cards as soon as possible to see if there are enough times and amounts to avoid annual fees or exchange points for annual fees.