Generally, there is no time limit for opening a credit card, but the credit card itself has a validity period. If the credit card has not been activated after the expiration date, the card is invalid. The validity period of a credit card will be printed directly on the card surface, usually 3-5 years.

If the bank has restrictions on the opening time of the credit card, it will inform the cardholder when issuing the card. In this case, it is necessary to open the card within the time limit required by the bank, otherwise the card will be invalid.

If there is no need to activate the use of credit cards, it is best to cancel them to avoid annual fees and other expenses. The credit card cancellation process is as follows:

1. Call the bank hotline of the credit card directly, and then apply for cancellation. Debt must be paid off before cancellation, otherwise cancellation will fail;

2. After 45 days of cancellation, if your credit card has no arrears or balance, the bank customer service will close the credit card account.