Hello, I'm glad to answer your questions.

under normal circumstances, a credit card will not be automatically cancelled if it is not activated, unless it has expired, at which time the credit card will be automatically invalidated. If the credit card is not activated beyond the validity period, it will enter the dormant period.

if a credit card holder doesn't want to use a credit card in the near future, if he ignores it, he may have a bad credit card record, which may affect the personal banking business in the future. Therefore, it is necessary for us to cancel the bank credit card at the right time.

if you don't use credit cards, you'd better cancel them.

the safest way for a cardholder is to report the loss first and then cancel it, because many banks' credit card articles stipulate that the losses caused by the loss of a credit card before the loss is reported shall be borne by the cardholder, and the losses caused after the loss report takes effect shall not be borne by the cardholder.

if the cardholder needs to cancel the credit card, he/she will take his/her ID card and credit card to the bank counter and fill out the application form for cancellation of the credit card without any arrears in the credit card. Before canceling the credit card, you need to pay off the money in the card and stop using the credit card. Wait 45 days before you can officially cancel it. After the formal cancellation, you can destroy the card.

The above answers are for your reference. I hope they can help you. You are welcome to like us and pay attention to us. Thank you.