Because the credit card is inactive, there will be "inactive" on the credit report. Therefore, other financial institutions will ignore this inactive credit card when inquiring about your credit information. Because an inactive credit card will not affect your pass rate of applying for other credit cards and loans.

You need to note that if the card you apply for is a hard annual fee, even if it is not activated, it will be charged after application. If the cardholder refuses to open the card and the bank deducts the annual fee from the card amount, then the cardholder will not be able to repay on time, resulting in overdue repayment and affecting personal credit. In this regard, it is suggested that cardholders open their cards as soon as possible to see if there are enough times/amounts to avoid preferential policies such as annual fees or points for annual fees. Of course, if the card you apply for is not a mandatory annual fee, nor is it activated or charged, then it is no problem for the cardholder not to activate it after handling the card. If it is not activated after expiration, the card will be invalid.