Will there be any impact if the credit card is not activated?

The consequences of not activating the credit card:

1. Incurring annual fees

Normal Generally speaking, if the credit card is not activated, there is no annual fee;

But this is not the case with many platinum cards. Even if you have not activated it, you will still be charged an annual fee;

For regular and gold card users, it is best to call the bank to confirm whether there will be an annual fee or other fees if it is not activated.

2. Impact on personal credit

As long as you apply for a credit card, there will be an application record in your personal credit report. For users who have not activated it, the credit report will show that the card has not been opened. , this situation will be more serious than overdue.

3. Impact on second card application

If your first card application is not activated and you apply for a credit card from the same bank for the second time, it is very likely that your card will be rejected. reject.

Credit card application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can issue cards to Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

What will happen if the credit card is not activated

Nowadays, many friends will go to the bank to apply for a credit card, but sometimes because the credit card limit is relatively low, the credit card has not been activated. What will happen if the credit card is not activated? How about that?

1. It may affect your next card application: Regardless of whether you choose to activate or not, your application time, applied amount and other information will be uploaded to the credit reporting system. Although it will not be considered a bad record, it will be difficult to apply for a card later, and the application may fail. If you apply for a card multiple times but do not activate it, it may affect future loans.

2. It may not be automatically canceled: Many people think that if the card is not activated, it will be automatically canceled by the bank, but this is not the case. The regulations of each bank are different. Some banks stipulate that the card will be canceled if it is not activated within a few years, and some banks stipulate that the card will be considered dormant if it is not activated. It is best to cancel the inactive card to avoid many problems.

3. The annual fee may be charged as usual: Generally speaking, no annual fee will be charged if it is not activated. But this is only for regular cards. If you are a platinum-level card or above, you will enjoy higher-level services and higher rights after activation. Even if it is not activated after application, annual fees will still be incurred. If you forget to pay, it will be treated as overdue.

4. The card may be stolen by others: Many criminals will specifically look for unactivated cards, steal the information, use the information to activate the card and then use it, and will not repay the money after the card is used. . Arrears and other bad records will be recorded in the applicant's name, which will cause great losses to the applicant.

Not activating a credit card will bring you a lot of trouble. Before applying, you must consider whether you need a card, and remember to blindly apply for a card. If it is not activated after processing, you must take the initiative to cancel the card to avoid causing losses to yourself.

What will happen if the credit card is not activated?

If the credit card is not activated, it will not be used regularly. In order to enable customers to enjoy the various benefits of CCB credit cards as early as possible, it is recommended that customers open and use the card immediately after receiving it. For cards that have not been activated before the card expires, CCB will not issue a new card to the customer upon expiration. Note: If the customer applies for a CCB credit card with a rigid annual fee, the annual fee will be incurred regardless of whether the customer activates it or not.

(In case of business changes, please refer to the actual situation.

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This is the end of the introduction about what will happen if the credit card is not activated and what will happen if the credit card is not activated. I wonder if you found the information you need?