It doesn't matter if the ordinary credit card and the gold card are not activated. Generally, it will not generate any fees and will not affect personal credit (except for some types of cards, such as some platinum cards, which will be charged even if they are not opened); You can also apply for cancellation if you are sure that it is not necessary.
1. What happens if the credit card is not activated?
1. There are many kinds of credit cards on the market now, and each bank will launch different kinds and activities of credit cards for different users to attract users. Many users just like the set of credit card activities launched by the bank, so they applied for a credit card under many temptations, but when they got the card, they suddenly realized that they didn't seem to need this credit card.
2. If the credit card is not activated, it will actually have a negative impact on users.
3. First of all, there may be an annual fee, which will affect your credit information without knowing it. Although most bank cards are not activated and do not charge annual fees, some credit cards start to calculate annual fees from the time they are issued. In other words, if the user is not activated, an annual fee will be generated without knowing it, which may lead to late repayment. Once the credit card is overdue, it will inevitably affect their credit information. Therefore, users need to consult the bank customer service about the charges of their credit cards, and choose to cancel the cards when they are not used.
4. If the credit card is not opened for a long time, it will also affect the difficulty of handling the card later. In fact, even if the user does not activate the credit card, the record of handling the credit card will appear in the credit report. If the user chooses not to activate the card, the bank credit value of the card will decrease, and it will be more difficult to apply for the bank's credit card again later.
If the user decides not to use the credit card he has applied for, it is suggested to cancel the card as soon as possible. After all, fraudsters are becoming more and more sophisticated. If it is activated and stolen by criminals, it may bring a lot of trouble to cardholders in the later stage, so it is the safest operation to cancel the credit card that is not in use.