There are three main issues involved in not opening a credit card: one is the annual fee, the other is personal credit, and the third is the impact on future credit card applications. \x0d\　1. First of all, many banks stipulate that "no annual fee will be charged if the credit card is not opened." However, some credit cards will actually "charge annual fees before the card is opened." \x0d\For example, China Merchants Bank’s helokitty Perfume Card Gold Card will charge an annual fee of 300 yuan/year regardless of whether it is activated or not. Some car cards of China Construction Bank also charge an annual fee of 200 yuan/year. Shanghai Pudong Development Bank also has an annual fee even if it is not activated. For card types that charge annual fees, etc., it is recommended that when applying for a card, you must call the credit card customer service number to inquire about the relevant credit card fees. \x0d\　2. Secondly, I think it will be fine if I don’t activate it, but in fact, these cards that have been applied for but not activated will still appear in the credit reporting system, and may also affect the review of future credit card applications. \x0d\ Regarding the execution of this credit record, for example, if a customer has already applied for a credit card from Bank A, even if it has not been opened, when he applies for a credit card from Bank B, if Bank B finds that the customer has too many credit cards, , will affect Bank B’s review and credit limit approval of its card issuance. \x0d\　3. Finally, since you have to go to the bank where you opened your bank card to cancel your bank card, if you lose your bank card or forget your password, you have to report the loss first with your ID card and other materials. In order to avoid trouble, sleep debits that are rarely used or almost idle are often used. The card is ignored. \x0d\　"Sleep card" actually has many potential risks for savers, such as loss of bank card, embezzlement by others, leakage of personal information, etc. Cardholders should treat "sleep cards" with caution. Don't be greedy for temporary convenience. You should handle it in a reasonable way to avoid potential risks.