Some friends don’t really need to apply for a credit card; they may do it to help their friends; for example, there are several colleagues of the editor of Xiaoxiao Finance who specially go to get people to open accounts. All they do is collect referral fees. Therefore, some colleagues apply for cards with them in order to help them.

However, after these helpful colleagues obtained their cards, they never activated or used these credit cards. At the same time, they are also worried about the consequences of not activating or using the card after they apply for it.

So, do you have to activate the credit card after you apply for it? Will there be any problems if you don’t activate it?

So, do you have to activate the credit card after you apply for it? Will there be any problems if you don’t activate it? Any questions?

1. Some cards will charge annual fees even if they are not activated.

Some friends don’t know much about the use of credit cards. I thought that once the card was issued, there wouldn't be any problems if I didn't activate it or use it. However, this is not actually the case, because some types of credit cards will incur annual fees even if they are not activated, such as our common platinum cards.

So, if you are not sure whether the credit card you have applied for has an annual fee, it is best to consult your bank first, or cancel it as soon as possible if you do not need to use the card.

2. Inactive credit cards may also be stolen.

There are many online channels for selling other people’s personal information. Some criminals use this channel to purchase other people's identity information, and use bank customer service to activate the credit cards under these people's identity information and steal them. Therefore, unactivated credit cards are not necessarily safe and may also be stolen.

3. It will affect other credit businesses.

If you have multiple credit cards in your name but have never activated or used them, when you apply for other credit services over time, the bank may determine that you have no need for credit services or that you have no need for credit services. If you act dishonestly, they will be greatly discounted when measuring your loan limit.

4. It will leave an unsightly record in personal credit report

Although, opening a card but not activating it or using it will not bring stain on personal credit report. However, if the card has not been activated or used, the credit card usage status will still be displayed on the personal credit report, such as "The card has not been activated yet." In this way, when you later apply for other businesses such as personal loans, mortgage loans, car loans, etc., other banks will have a bad impression of you, and your credit limit may be affected by then.