As people’s demand for credit cards increases, more and more types of credit cards are issued by banks. Many friends will apply for credit cards because the bank provides card gifts or helps friends. After applying for the card, they will I find that I don’t seem to use it on a daily basis, so I simply don’t activate it. So what will be the impact if I apply for a credit card but don’t activate it?

Failure to activate a credit card will have the following adverse effects:

1. Inactive credit cards may also incur annual fees.

Although the China Banking Regulatory Commission stipulates that banks are not allowed to charge cardholders annual fees if their credit cards are not activated, this only applies to ordinary credit cards. If the cardholder applies for a high-level credit card or a customized card, Due to the relatively high cost of card production, this type of credit card will incur annual fees even if the cardholder does not activate the credit card.

If the cardholder is not careful, the annual fee may be overdue. Once a credit card is overdue, not only will overdue interest be incurred, but the overdue credit will also have a negative impact on your personal credit.

2. Influence cardholders to apply for credit cards again.

When a customer applies for a credit card from the bank, the bank will refer to the applicant's current card information. Unactivated credit cards will also account for the credit limit. If the applicant currently holds more credit cards, A higher total credit limit will result in a higher current debt ratio, which may affect your later application for a credit card.

3. Unactivated credit cards will also be reflected in the personal credit report. All our credit cards will be recorded in the personal credit report, including credit cards that are not activated. If there are more If there are too many unactivated credit cards, when applying for a credit card again, the bank may think that the applicant does not really have a need to apply for a card, resulting in rejecting the user's application for a card.

As can be seen from the above, not activating a credit card after applying for it will have a certain negative impact. Therefore, it is recommended that when applying for a credit card, you must consider your own needs and do not blindly apply for a credit card. I would like to remind everyone that more credit cards are not better. Usually, it is enough for a person to have about 3 credit cards in his hand. If there are too many, it is not conducive to management.