However, there is another situation. In some banks, the platinum card level, whether activated or not, will generate an annual fee as long as the card is issued, such as the platinum airline card of Industrial Bank.
Although some banks have an annual fee policy of exchanging points for platinum cards, the points are based on the cardholder's credit card consumption, and there will be no points without activating consumption. In this case, the platinum card holder will be overdue because he has not paid the annual fee, which will affect his personal credit history.
Landlord, if you have already applied for a credit card, I suggest you use it normally. Although the suspension of the general card and gold card in some banks will not affect personal credit, it will also cause other problems.
For example, if the landlord wants to reapply for a credit card, the bank will consider whether you have a card handling record. If the landlord holds more than one credit card, he plans not to activate it for a long time. Generally speaking, after the bank cancels these credit cards, it needs to re-apply if it wants to use them again. At this time, the bank will check whether there is a card record of the bank under your ID card. If it's a card, it's not necessary. When the bank approves the card again, it will carefully approve the card or give a lower amount.
Another influence is that banks will consider personal credit records when handling loans. Generally speaking, when a bank handles a loan, it will check the applicant's credit record in the credit information system. If the card is deactivated and cancelled, and the bank that happens to apply for the loan is the issuing bank, it will have an impact on the applicant's loan approval.
I hope my answer is helpful to the landlord!