yes.

according to the relevant regulatory policies of the central bank, without an activated credit card, banks cannot charge any fees, including annual fees, credit card fees, SMS notification fees and so on. So usually, even if you apply for a credit card and don't cancel it, it won't matter.

however, when you check the credit history, there will be information in the credit card column showing inactive credit cards. Generally speaking, these inactive credit cards have no effect on everyone. Whether you apply for a loan or a credit card, banks will basically not look at these inactive credit cards.

Extended information:

Precautions for credit card use:

Be sure to pay the annual fee. In addition, more brushing and frequent brushing can also increase the credit card limit. At the same time, timely repayment and keeping a good credit record are also ways to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, it can be used in many ways.

when applying for changing the billing statement, you should pay attention to calculating the billing statement time, enjoy the longest interest-free period, and relieve the pressure of tight funds, but this skill cannot be used every month.

what is the impact of not activating the credit card?

in the eyes of many people, as long as a credit card is not activated, it is just an ordinary piece of plastic, which will not have any impact on your life. In fact, this idea is dangerous at present.

according to the requirements of relevant departments in China, the annual fee cannot be charged for inactive credit cards, so there is no risk of overdue if it is not charged. Of course, for some banks' VIP cards, even if they are not activated, annual fees may be incurred. If you don't pay the annual fee in time, it may have a bad influence on your credit information. For friends who haven't bought a house yet, it may be an unaffordable thing to have a tainted credit report.

in addition, even inactive credit cards are at risk of being swiped. Now some criminals are skilled. Although some banks' credit cards need to be activated in person, criminals also have ways to crack them. Some time ago, it was revealed that a woman lost her ID card and got married in another place, so don't underestimate the strength of criminals now.

furthermore, the inactive credit card will actually be reflected in your credit report, but it just shows that it is inactive. Because credit cards have a total credit limit, if you have multiple credit cards that are not activated, they occupy your credit limit, and you may have some trouble getting a high credit card in the future. Therefore, it is better to cancel the inactive credit card.

how to quickly cancel unused credit cards?

Some friends think it is troublesome to handle too many credit card procedures, so is it troublesome to cancel the card? In fact, at present, many banks have relatively simple procedures for selling credit cards.

first, you can choose to sell your card by phone. Many credit cards are printed with the customer service phone number of the relevant bank. Take a large state-owned commercial bank as an example. If you want to cancel the bank's credit card, just call the number above, which is very convenient.

can I withdraw cash by credit card? How to operate?

If the issuing bank of your credit card doesn't support calling card sales, you can also check whether mobile banking supports related operations. If it still doesn't work, you have to go to the relevant bank outlets and ask the staff to help you cancel.

don't throw away credit cards that have been cancelled. It is best to cut out the magnetic strips with scissors before processing them. Even if it is cancelled, don't just throw away the complete card, and don't give criminals any chance.