1. Affect personal credit. This is mainly caused by annual fees being charged on credit cards. The fees include two aspects. One is the cost of payment for special cards, and the other is the rigid annual fee for high-end cards. These will be directly deducted from the credit card limit regardless of whether the card is opened or used, and will be included in the latest payment. One installment of the bill. At this time, everyone must repay the loan in full and on time, otherwise it will be overdue and personal credit will be damaged.

2. It affects the card use experience. If the credit card is not used after it is applied for, and there is no transaction record for more than 6 months, it will be easily controlled by the bank, and you may no longer be able to use the card to make purchases or withdraw cash. At this time, the card is in a semi-dead state. If you want to resume use, you can apply to the bank for reactivation.

3. It is difficult to raise the amount. Many people think that if the card is not used frequently, the bank will take the initiative to increase the user's credit limit in order to stimulate users' consumption. In fact, this situation is very rare. On the contrary, if you do not use the card frequently, it will be particularly difficult to increase the limit. After all, the bank conducts a comprehensive assessment based on the user's credit conditions and card usage. If the card is not used, the bank will think that the cardholder has no need and give Excessively high amounts are also a waste.

4. Easily derated. Many banks will do this. For example, China CITIC Bank has previously issued an announcement that credit cards that have not generated any transaction records for more than 6 months will take reduction measures.

In addition to the effects introduced above, there is also the risk of credit card fraud if you never use it. Therefore, if you really don’t want to use the card, in order to avoid risks, it is recommended to cancel it as soon as possible.

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Due to the existence of "multi-credit credit", it is recommended that those who plan to apply for multiple credit cards pay attention to the order in which they apply. "Multiple credit extension" means that some banks will refuse to apply for credit cards from customers with too many banks, such as China Construction Bank and Agricultural Bank of China.

ICBC and Bank of China are special. Some provinces ignore multiple banks, and some provinces restrict multiple banks. There are no fixed rules to follow.

In addition, banks such as China Merchants Bank, China Agriculture Bank, and Guangfa Bank raise credit limits quickly, and early processing will be helpful for subsequent credit limit increases.

In addition, the credit cards of Industrial and Commercial Bank of China and China Merchants Bank are relatively highly recognized in the industry, and you can apply for credit cards from other banks in the "card-by-card" method; only with a reasonable order of card application can you ensure the validity of the credit card. Maximum amount.

The general suggestions for the order of applying for credit cards are as follows:

1. Prioritize applying for credit cards from payroll processing banks to ensure a high initial limit;

2. Then apply for industrial and commercial, Bank cards for investment, agriculture, construction, etc., to build recognition or avoid not purchasing the card later;

3. If a card with too low a limit appears at this time, the account should be canceled directly to avoid affecting the card limit of other banks;

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The most important thing is that the above order is for reference only. You still have to determine the order of card application according to your own situation. At the same time, do not blindly apply for a card or apply for a card just when you see it.