During the validity period of the credit card, if the credit card is not activated, it will not automatically become invalid.

The bank has no time limit on credit card activation. The credit card can be activated and used at any time within the validity period. If it is not activated after the validity period, the card will become invalid. The validity period of a credit card is generally 3 to 5 years, which is marked on the front of the credit card. It can be activated and used before then.

After the credit card application is successfully approved, even if you do not open the card, the approval time and specific limit of the card will be displayed in the personal credit report, and words such as "The card has not been activated" will also be displayed. . Although it is not a bad credit record, if there are too many of these "inactive" records, it may affect the success rate and amount of future credit applications, because the financial institution reviewing your credit report will think that you lack demand for loans.

Extended information:

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.

Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

Reference: Credit Card-Baidu Encyclopedia