Hello, you need to log out. 1. Whether you receive the card or not does not affect the fact that you successfully applied for the card.

After successfully applying for a credit card, you will have a record of this card in banks and credit bureaus, and you need to bear all responsibilities for this card. According to bank regulations, reporting the loss and modification of a card requires the cardholder to claim it. This means that although you have returned the card, the fact that the card exists cannot be eliminated and must be cancelled. 2. Annual fees may also be incurred if the card is not activated.

I don’t know what type of CITIC credit card you are applying for. Ordinary credit cards are free of annual fees in the first year, and the annual fees can be waived if you use them a certain number of times in the following year. Some banks do not charge annual fees if they are not activated. , but some customer service staff may not inform customers that many credit cards require annual fees even if they are not activated. Similar to VIP cards such as Platinum Card, an annual fee will be charged upon successful application.

If your card charges an annual fee, and you do not cancel it or fulfill your obligation to pay the annual fee, it will leave a stain on your credit in the credit reporting system, which may have subsequent consequences. your loan. 3. Failure to cancel the card will affect your subsequent credit card application.

The overall credit limit given by the bank is certain based on each person's financial situation. If you have already applied for a credit card at CITIC Bank, that means this card will occupy part of your total credit limit. If you continue to apply for a credit card from CITIC Bank, the limit will be limited. If there are many unactivated credit cards of this type, it will also affect your ability to apply for credit cards from other banks. After all, where is the overall credit limit?