Inactive credit cards generally do not charge an annual fee. However, there are several situations where other fees will be charged:

First of all, for DIY custom cards and some co-branded cards, "card face fee" or production fee may be charged for handling such cards. Once you choose this card, even if you don't open it all the time, you may still owe money to the bank.

2. Express delivery and express delivery are the ways to send cards. The default delivery method of credit card is registered mail, which is free.

Third, the old card will be replaced by a new one when it expires. For some banks, the annual fee policy is a continuation of the old card after its expiration.

Fourth, some credit cards with rigid annual fees and some high-end cards of banks, such as platinum cards and AE cards, all have to pay annual fees.

Is there an annual fee if the credit card is not activated?

Generally, banks will send gifts or recommend gifts when handling credit cards, attracting many people to apply for cards. Maybe everyone thinks that as long as this card is not activated, it will have no effect. From these aspects, what are the potential risks of not activating credit cards?

First: Some credit cards will be charged an annual fee if they are not activated.

As we all know, credit cards have to pay an annual fee to the bank.

However, the CBRC stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by means of telephone recording or written electronic signature of the customer service center". In other words, inactive credit cards will not be charged any fees.

In other words, if the credit card is not activated, there is no annual fee. However, it should be noted that some credit cards will still charge an annual fee even if you are not activated.

Like a platinum card. Because platinum cards need to provide some high-value value-added services, banks have to bear a lot of expenses for this. Therefore, it is stipulated that platinum card users will charge the same annual fee even if they don't activate their cards.

Therefore, users of platinum cards must remember that even if they are not activated, there will be an annual fee. Users of Puka and Gold Cards should also call the bank to confirm whether there will be annual fees or other fees if they are not activated.

Second, there is a hidden danger that inactive credit cards are stolen.

It's getting easier and easier to activate credit cards now. Some banks can activate by verifying the ID number, which increases the risk that their cards will be activated and stolen by others.

Moreover, the magnetic stripe information on the credit card is likely to be used by criminals to disclose personal information.

There are many cases of credit card theft, and criminals just use loopholes to activate inactive credit cards, thus stealing cards for consumption.

Third: affect personal credit information.

Many people know that if a credit card is overdue, it will affect personal credit information.

If you accidentally check some deductions in the application form, and you don't realize it, then in a few years, this credit card will default on a lot of fees and interest, which will naturally lead to overdue behavior. This will affect personal credit information.

And as we all know, as long as the credit card is successfully handled, there will be corresponding records on our personal credit information. Even if we get the card but don't activate it, the approval time and initial limit of this credit card will be recorded in the credit report, and there will be records such as "Card not activated".

Under the influence of these factors, cardholders may be affected if they want to apply for a new credit card or loan in the future. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, or will reduce the credit card and loan quota, and even affect the success rate of credit card and loan approval.

As long as you apply for a credit card, it will appear on your personal credit report whether it is activated or not, which will affect your total credit line and the number of credit cards. Therefore, Fage suggested that if you don't want to activate the applied credit card, you should cancel it as soon as possible.

Do you also have an inactive credit card? Remember to cancel if you don't use it!

Is there a charge if the credit card is not activated?

There is no annual fee if the credit card is not activated. .

1. Is there an annual fee if the credit card is not activated?

Regarding credit card charges, the CBRC once stipulated: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by telephone recording or electronic signature of the written customer service center."

Because of this regulation issued by the China Banking Regulatory Commission, if the credit card you apply for is not activated by yourself, but opened by someone else, then the bank needs to bear certain responsibilities. Moreover, the CBRC also stipulates that most credit cards, as long as you don't activate them, banks are not allowed to charge annual fees, and banks are not allowed to open inactive credit cards for applicants privately. Therefore, at present, general credit cards are not activated and there is no annual fee.

Second, why do you have to charge an annual fee if you don't activate it?

Because platinum cards need to provide some high-value value-added services, banks have to bear a lot of expenses for this. Therefore, there is such a rule that platinum card users will charge an annual fee even if they don't activate their cards. Therefore, users of platinum cards must remember that even if they are not activated, there will still be an annual fee. For users of Puka and Gold Card, it is best to call the bank to confirm whether there will be annual fees or other fees if they do not activate. Second: there is also a hidden danger that the inactive credit card is stolen. In a case uncovered on 20 14, criminals used the Internet to buy personal information, forged identity cards, activated credit cards by taking advantage of loopholes in bank customer service, and stole tens of thousands of yuan. Because "dormant" credit cards are ignored by everyone, there are also great security risks.

To sum up, according to the regulations of CBRC, most credit cards will not be charged if they are not activated. But many platinum cards will still be charged if they are not activated. Of course, some credit cards with special requirements will be charged an annual fee if they are not activated, so you can ask the bank clearly when handling credit cards and remember to handle them rationally.

Is the credit card not activated to charge an annual fee?

Generally speaking, the annual fee will not be charged if the credit card is not activated, but there are actually some special cases where the annual fee will be charged. This is because the current laws and regulations on how to charge financial products such as credit cards are not perfect, and there are no relevant rules to bind financial institutions such as banks.

Whether or not to charge an annual fee for an unopened credit card is now mainly decided by banks, so there are also some special cards or cards with special materials issued by banks, which will also charge an annual fee if they are not activated. There are three main reasons for not activating the credit card to deduct the annual fee:

(1) Cardholders have their own relevant regulations. If you don't open the card within two months, you need to pay a fee of ×× yuan.

(2) In order to improve their business volume, the marketer took the initiative to help open the card or invited the card owner to open the card, but the cardholder didn't know it, so he was deducted without reason or affected his personal credit.

(3) That is, you have a special card type. Generally speaking, if your card is an ordinary card or a gold card, there is no charge if it is not activated. If there are some special types of cards, an annual fee will be charged after issuing them. Of course, the specific reason is to consult the staff of Guangfa to understand the situation. If the second type of marketer activates it for you without authorization, you should be able to complain. For consultation, users of Guangfa Card can find wonderful apps through Guangfa operation, and click My-Settings-Feedback-Service Consultation in the upper left corner of the page.

Is there an annual fee for not activating the credit card?

Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.