Inactive credit cards need to be canceled. According to the query "Should I cancel an unactivated credit card?" published by Hualv.com? 》Display: If the credit card is successfully approved, regardless of whether it is activated or not, it will be reflected in the credit report and occupy the total credit limit. If it is overdue due to deductions, it will also affect the personal credit report. Therefore, unactivated credit cards should be canceled in time if they are not used. Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, and transfers. An electronic payment card with full or partial functions such as settlement, cash deposit and withdrawal, etc.